How to cancel the credit card without affecting it?

1. If you cancel your credit card, you can call manual customer service.

If you really want to sell your card quickly, you can call the manual customer service phone directly with your mobile phone. They provide online service 24 hours a day. When you call, you need to inform the customer service about your specific situation and tell them that you want to return the card. Then, follow their instructions step by step

2. The prerequisite for online manual customer service to cancel the credit card is that there is no debt in the credit card, and all debts must be paid off before the credit card is cancelled, so that the credit card can be cancelled successfully. Otherwise, even if you call the human customer service and tell them the specific situation, they can't help you cancel your credit card.

3. Furthermore, in order to successfully sell the card through the manual customer service phone, the credit card must be at your side. Because the customer service staff should ensure that the environment where the account is located is safe.

There is a common way to cancel the credit card, which is to cancel it at the bank counter.

This method can be implemented when you are not busy at work. You just need to go to the bank counter and explain the details, and the bank counter staff will help you.

5. Go to the bank counter to handle the credit card sales business, which is very direct. You got confused with the online customer service on the other end of the phone, which saved a lot of unnecessary trouble.

6. Your credit card account will be cancelled 45 days after you successfully handle the credit card cancellation business, if there is no arrears and overflow deposits. Moreover, this cancellation does not require any relevant procedures.

Extended data:

Credit card cancellation status:

If you don't intend to continue using your credit card, you must cancel your account. If the account is not closed, the bank will charge an annual fee for the credit card. If the card is not overdrawn, you can apply for account cancellation at any time.

If the card has not expired, you need to apply first, and then go to the bank to cancel the account after a certain period of time; If the card has expired and the account balance is zero, you can directly cancel the account at the designated bank outlet.

When closing the account, you should bring your valid ID card and the original card. If it's not convenient for me to close the account, someone else can help you. The agent must hold the power of attorney written by the principal (himself) and bring the original valid identity certificate to handle the account cancellation business.

If your card has not expired when you cancel your credit card account, some banks stipulate that you need to go to the designated outlets to receive the card, and then go through the formal account cancellation procedures after a certain period of time (up to 30 days). This is mainly because if the cardholder has done a manual card pressing transaction before closing the account, the cardholder will have closed the account before the merchant submits the card pressing form to the bank for entry, and the bank will not be able to liquidate normally;

On the other hand, if the cardholder is in consumption abroad or withdraws cash, it may take several days to settle the account. If the account is closed immediately, it will also affect the normal liquidation of the bank.

References:

Baidu encyclopedia credit card