How to destroy credit cards

How to completely cancel the credit card account

1. Pay off all credit card debts.

Check all credit card bills to be cancelled, such as credit card consumption amount, annual fee, short interest fee, handling fee, etc. , check the amount, check and pay in one lump sum.

Pay special attention here, but in some cases, you can't see the bill and it's easy to mistake it for debt repayment.

In this case, you have to check the consumption records yourself.

Some bank SMS charges are not deducted in advance, but are deducted at last. In the meantime, it will not be reflected in the credit card bill.

2. Go through the cancellation procedures at the bank counter or call for cancellation.

You can cancel your credit card by calling the credit card service number or at the counter.

Here, I suggest you go to the counter to cancel, bring your personal ID card and credit card to the counter, and the counter staff will tell you what to do when you go to the counter.

If there is arrears and overdue, it is generally impossible to write off.

To cancel, the bank counter staff will tell you what to do in person.

If you cancel the phone, it will be more troublesome to operate, and it is easy to make mistakes in the case of poor communication.

In this case, it is also necessary to dock with the bank. If you need to deduct money in advance, you will deduct money from the card.

After doing the above two actions, it is important to remember to do the following two things.

First, about 45 days after the cancellation, reconfirm whether the cancellation is successful.

Call the customer service phone of the bank credit card to confirm whether the cancellation is successful or not, so as to avoid unnecessary troubles caused by non-cancellation for special reasons.

Second, after confirming the cancellation, remember to destroy the credit card and don't throw it away directly.

The information on the magnetic stripe of the card is still there. If it is used by criminals and then submits a new credit card application to the bank, it will be in danger of being stolen.

After doing the above operations, the banking system clearly shows that the card has been cancelled, so the credit card is completely cancelled.

How to cancel the credit card?

If customers want to cancel their credit cards, they can directly call the hotline of the issuing bank and turn the "0" key to contact the customer service staff to apply.

If there is an offline business outlet of the issuing bank near the work and residence, the customer can also bring his personal ID card and credit card to the outlet counter to find the staff to cancel the account.

What we need to note is that after applying for account cancellation, the bank will not immediately cancel the account for the customer, but will leave a settlement period of 45 days. After 45 days have passed, it will be confirmed that there is no new bill or overpayment in the card, and then the card will be officially cancelled for the customer.

However, if there are outstanding bills or overpayments in the card, there is no way to cancel the success. Therefore, customers are advised to check the card usage before applying for card cancellation. If there are unpaid bills, they should pay them as soon as possible. If there is any overpayment, please withdraw it first and then apply for cancellation.

How to cancel a credit card

Credit card cancellation process:

First, verify the credit card account.

Before canceling the credit card, the cardholder needs to confirm whether he has paid off all the credit card debts. If not, he should pay off his debts before applying for cancellation of his credit card.

Second, the integral processing

When a cardholder cancels his credit card, he needs to check his credit card points first. According to his current credit card points, he should try to exchange some gifts or phone bills. Don't waste his credit card points After all, this is the points accumulated every time I swipe my card. After canceling the credit card, the credit card points will be cleared.

Third, the pre-sale account

Credit card holders can call the bank's customer service center, go through the pre-cancellation procedures, and officially cancel their accounts at the bank branch counter.

Fourth, officially cancel the account.

The cardholder goes to the bank to apply for account cancellation. After 45 days, the bank needs to confirm that all the debts of the credit card have been paid off before it can close the account.

Verb (abbreviation for verb) card destruction

After the user cancels the credit card, the bank will destroy the card.

Credit card cancellation method:

1. Call the bank credit card center to inquire about cancellation, mainly depending on whether your card is suitable for cancellation and whether there is a balance. When canceling the credit card by telephone, the bank accepts the user's application for cancellation of the credit card after receiving the call, and after deducting the annual fee receivable from all the cards under its account, the account balance is zero or the customer explicitly gives up the remaining deposit in the account.

Second, cancel the credit card at the bank counter. The cardholder must bring his ID card and the credit card to be cancelled to the bank to fill out the card cancellation application form. You can collect the card first, and then do the corresponding cancellation procedures one month later, but you can also make an appointment to cancel the account directly on the day of card cancellation.

In addition, credit card cancellation is divided into card cancellation and account cancellation. It is recommended to cancel the account after returning the card, otherwise there may be some problems in re-applying for the credit card. If there are still points in the credit card to cancel, it is recommended to redeem them all before canceling the card; After submitting the application for card cancellation, the cardholder shall not use the credit card again before it takes effect, otherwise the application for card cancellation will be automatically cancelled; After formal cancellation, cut it along the magnetic stripe of the credit card and discard it to prevent theft.

If the cardholder's credit card limit is very low, and he chooses to cancel the credit card at this time, the cardholder also needs to pay attention to his card holding situation. If you apply for a 1 time credit card, I suggest that you don't cancel it, because with this credit card, you can better support your personal credit. It is very helpful to improve your personal credit by swiping it, and it is also very helpful to apply for credit cards from other banks in the future. If the cardholder holds a large number of credit cards and thinks that his credit card is enough and wants to cancel it, then the cardholder also needs to seriously consider when applying for cancellation. If he holds too many credit cards, it will become more and more difficult to apply for them and it will become easier to cancel them.

How to cancel a credit card account?

You can cancel your credit card account in the following ways:

1. You can bring your ID card and related credit card to the corresponding bank counter for cancellation.

2. Call the bank's customer service hotline directly, and then transfer to the manual service, so that the manual customer service can apply for canceling the credit card.

3. You can upload your ID card, credit card and other information on the official online banking, fill in the account cancellation application and submit it.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

There are two ways to cancel a credit card.

There are actually two ways to cancel a credit card: returning the card and canceling the account.

If you cancel your card, you will cancel a credit card in your name, and if you cancel your account, you will cancel all your credit cards in a bank.

For example, we have three different credit cards in a bank, so if we cancel these cards, only one credit card will be cancelled, and if we cancel the account, all three credit cards will be cancelled.

If we don't want to keep a bank credit card, we should choose to close the account instead of returning it.

Method of canceling credit card

There are generally two ways to cancel credit cards: customer service phone cancellation and bank outlet cancellation.

Customer service call cancellation

We can call the bank's credit card customer service phone to enter the labor service and tell the labor service that we need to cancel the credit card business. Under normal circumstances, the manual customer service will retain us, and after we explicitly refuse, the customer service will help us cancel the business.

Revocation of bank outlets

We can take my ID card and credit card to the branch of the bank to cancel the business. Similarly, after completing the corresponding procedures, we can complete the cancellation.

Precautions for canceling credit cards

1. Before logging off, check whether the card has available points, activities you can participate in, rights you don't enjoy, etc. In order to avoid waste, it is best to cancel the business after use.

2. Pay off all credit card debts and confirm that there is no other installment business.

3. When canceling, the bank's customer service will try its best to retain it, including providing lifelong annual fee-free service, giving away points and being mentally prepared.

4. After successfully canceling the credit card, destroy the card in time.

5. account cancellation may affect the bank's credit card processing again in the future.

How to cancel the credit card?

To cancel the credit card, you can first call the customer service phone of the bank credit card center with your mobile phone and choose the cancellation service according to the voice prompt. Secondly, you can choose to cancel at the bank counter, bring your ID card and credit card, and fill out the card cancellation application form at the bank. If the credit card has no arrears or overflow deposits after 45 days, it can be successfully cancelled.

1. Another way of saying credit card is that credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of 65,438+0 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, and make repayment on the checkout date.

2. Except for some credit cards combined with financial cards, general credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts. 20 12 February, the bank confirmed that the credit card is safer without password, and if it is stolen, it will share the responsibility with the bank. Enjoy an interest-free period of 25-56 days (or 20-50 days).

3. Credit card consumption enjoys an interest-free period, and the bill amount is paid off before the due repayment date, without any cost. There is no interest-free repayment period for cash withdrawal, and five ten thousandths of daily interest will be charged from the date of cash withdrawal, and the bank will also charge a certain percentage of cash withdrawal fee.

4. In 1960s, credit cards sprouted and developed rapidly in developed countries in Europe and America, such as the United States, Canada and Britain. After more than 50 years of development, credit cards have been widely accepted in more than 95% countries around the world. In 1980s, with the reform and opening up and the development of market economy, credit cards, as electronic and modern consumer financial payment tools, began to enter China, and made great progress in the past decade.

After the financial crisis and the ups and downs of the domestic economy, the credit card market in China has picked up. By the end of 20 10, the total number of credit cards issued in China has exceeded 200 million. In 20 10, the national interbank credit card transaction amount reached 5. 1 1 trillion yuan, and the consumption amount was 2.7 trillion yuan. The proportion of credit card consumption in the total retail sales of social consumer goods continues to increase.

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So much for the introduction on how to destroy credit cards.