How to refund the credit card?

In the process of credit card processing, apply for cancellation of credit card processing, and after approval by the bank, you can cancel credit card processing. In general, it is not allowed to cancel the credit card during the processing. If you must cancel, please prepare convincing and reasonable reasons for cancellation.

The general process of canceling a credit card is: 1, prepare the certificate; 2. Apply and tell the reasons; 3. Accept the application and check the status; 4. Cancel the card application.

Prepare the documents. Personal identification materials (such as ID card, mobile phone number, bank debit card, etc.). Be prepared for bank inspection before canceling the credit card application.

Apply and tell the reason. Apply to the bank to cancel the credit card processing first. When applying, the bank will first confirm the identity of the applicant and check whether it is the cardholder himself. Then the applicant fills in the explanation of the cancellation reasons required by the bank and tells the bank the reasons for canceling the credit card.

Accept the application and check the status. After understanding the applicant's reasons for revocation, the bank will judge whether the reasons are "established", that is, whether the reasons for revocation are reasonable. If it is reasonable, the approval status of the credit card will be checked next. If the credit card is still in the process of approval, it can be cancelled smoothly; If the approval has been completed, it cannot be cancelled.

Cancellation is so troublesome, you should choose carefully when applying for a credit card.

How to return the newly applied credit card?

There may be some trouble returning the credit card you just applied for. Here, I suggest you cancel it directly. Cancellation will not have any impact on individuals, it is very simple. The cardholder only needs to call the bank's customer service hotline to cancel, and the bank's customer service will verify the relevant information and handle it.

The newly applied credit card will not generate any fees if it is not activated, but we should pay attention to whether this credit card is a high-end credit card here, because many high-end credit cards will also generate annual fees if they are not activated. At this time, whether the card is returned or cancelled, the annual fee needs to be refunded, otherwise it will affect the user's credit information.

In order to avoid the situation that the credit card just applied for is not used, it is best for users to think clearly whether they need this credit card before applying for it. If the user is useless because the credit limit is too low, it is completely unnecessary at this time, and the credit card limit can be continuously increased through later use.

Users can apply for a credit card through the bank official website, and learn more about the rights and interests contained in this credit card through the bank official website, and know how to use the rights and interests. In this way, you can save more money by using this credit card at ordinary times, but you must repay it on time after using it.

How to pay back the credit card of Bank of Communications?

Bank of Communications Credit Card Refund Requirements:

Pay off the debt first, dial the credit card number of Bank of Communications: 800988888, and transfer to manual service. Please ask the customer service staff of Bank of Communications Credit Card Center to cancel the Bank of Communications credit card. After the customer service personnel verify your identity, they can go through the cancellation procedures for you. All processes can be completed by telephone without going to the Bank of Communications outlets.

Bank of Communications Credit Card is a credit brand product jointly launched by Bank of Communications and HSBC. Its user orientation is "a group of people who have ideals and pursuits for life and career, know how to enjoy, are more willing to struggle, and sometimes have the needs of studying abroad, doing business, studying abroad or traveling abroad."

Extended data:

Distribution background

In May 2005, just as Bank of Communications was preparing to enter the credit card business, it happened that the domestic market was filled with smoke: major domestic banks entered one after another, and the competition became increasingly fierce; Among the foreign banks, there are pioneers aiming at the China market and joining hands with domestic banks to establish a model of joint promotion of credit cards by domestic and foreign banks.

Facing the unfavorable competitive situation, how can Bank of Communications reverse the passive situation and win the leading position in the credit card market? As early as June 5438 +2004 10, before the establishment of the Pacific Credit Card Center, Bank of Communications had been thinking about two issues: first, the positioning of customers; Second, the advantages of strategic alliance with HSBC.