How to cancel a credit card

How to cancel a credit card?

There are two ways to cancel a credit card:

1, cancel the card at the branch, bring your credit card and ID card to the bank branch to apply for cancellation.

2, call the bank's customer service number to cancel the card, remember to cut the card after canceling the card.

You can cancel your credit card in the following cases:

1. The applicant has not received the credit card. The applicant has just applied online and the bank has not rushed to send the card or applied through the agent channel. The salesman did not submit the information. At this time, the cardholder can call the customer service center of the card issuer and ask to cancel the credit card application. In this case, canceling the credit card has basically no effect on the individual.

2. The applicant has received an invalid credit card. For newly applied credit cards that have not yet been activated, there is no need to cancel the card. The general activation period is one year from the date of issue. If the card is not activated for more than the specified period, the credit card will automatically expire.

3. Credit cards in use. You must be prepared before canceling a credit card. First, you need to pay off all the outstanding balance on the credit card. If you have saved more money, you should also spend it. Make sure that you don't have more than a penny in your credit card account and then follow the voice prompts to call the customer service number to manually request for canceling the credit card booking. After the next billing date, if your account is flat, i.e. no more, no less, then your credit card can be canceled. Or you can cancel at the counter and bring the necessary documents, ID, credit card and cash. Explain the situation truthfully to the staff.

Main functions of credit card:

1. Credit card is one of the fastest growing financial services. It is a kind of electronic money that can replace traditional cash flow to a certain extent;

2. Credit card has both payment and credit functions. Cardholders can buy goods or enjoy services, but also can use the credit card from the card issuer to obtain a certain loan;

3, credit card is the financial business and computer technology combined with high-tech products.

4, credit cards can reduce the use of cash and money;

5, credit cards can provide settlement services, convenient shopping and consumption, and enhance the sense of security;

6, credit cards can simplify the collection procedures, saving social labor;

7, credit cards can promote the sale of goods, social demand.

Return credit card how to handle

Outlet counters: cardholders can bring their ID cards and credit cards to the counter of the issuing bank's outlets, explaining to the staff that they want to apply for a refund of the card business, and then fill in the application form for a refund of the card, explaining the specific reasons for refunding the card, and wait for the staff to verify the identity of the card, then you can apply for a refund of the card. Customer service telephone processing: cardholders can call the credit card center of the issuing bank customer service telephone, connected to the prompts transfer manual service, and then explain to the staff to apply for the return of the card, provide their own information, and so on the other side of the verification of information can be returned to the card.

A credit card (CreditCard) is a proof of credit issued by a commercial bank or credit card company to consumers with qualified credit.

Second, the form of credit card is a card printed on the front with the name of the issuing bank, expiration date, number, name of the cardholder, etc.,[1] consumers with credit cards can go to the contracted commercial services for shopping or consumption, and then by the bank with the merchant and the cardholder settlement, the cardholder can overdraft within the specified limit.

Three, the earliest credit cards appeared in the late 19th century. In the 1880s, the British clothing industry developed the so-called credit card, tourism and business sectors have followed this trend. But at that time, the card can only short-term commercial credit behavior, the money or to pay as you go, can not be a long time in arrears, there is no credit limit. 1950s, the U.S. Manhattan credit expert McNamara in the hotel dining, because did not bring enough money, can only let his wife to send money over. This makes him feel very bad, so the organization of the "Diners Club" (English: DinersClub), members with a dining account card to the designated 27 restaurants can be charged consumption, do not have to pay cash, which is the earliest credit card. Franklin National Bank was the first bank to issue a credit card, after which other U.S. banks followed.

It is said that one day, U.S. businessman Frank McNamara in New York, a restaurant to entertain guests dining, dining found that his wallet forgot to bring around, and thus y embarrassed, had to call his wife to bring cash to the hotel checkout. So McNamara generated the idea of creating a credit card company. 1950 spring, McNamara and his good friend Schneider cooperation investment of 10,000 U.S. dollars, in New York City founded the "Diners Club" (DinersClub) that is, Diners credit card company's predecessor. Diners Club provides members with a card that proves their identity and ability to pay, and members can charge their purchases with the card. The nature of this unbanked credit card is still a commercial credit card.

Four, credit card is another way of saying credit card is a non-cash transaction payment, is a simple credit service. Credit card is generally 85.60 millimeters long, 53.98 millimeters wide, 1 millimeter thick plastic card, by the bank or credit card company in accordance with the user's creditworthiness and financial strength issued to the cardholder, the cardholder with a credit card consumption without paying cash, to be paid back on the closing date. Unlike debit cards and ATM cards, credit cards are not directly debited from the user's account, except for some credit cards that are combined with financial cards. in February 2012, banks confirmed that credit cards are safer without a PIN, and that the bank will be held liable for any fraudulent use of the card. Interest-free period of 25-56 days (or 20-50 days). Interest-free repayment period for credit card purchases. No fees will be incurred if the bill is paid in full before the due date of repayment. Cash withdrawals do not have an interest-free repayment period, and a daily interest rate of 5/10,000% is charged from the day of withdrawal, and the bank will also charge a certain percentage of the cash withdrawal fee.

How to cancel a credit card

There are two ways to cancel a credit card:

1. Cancel by phone. Users can cancel their credit card directly through the bank call line.

2. Bank counter cancel. Users can bring their personal identification documents to the bank counter and apply for credit card revocation.

Here is the introduction of how to cancel credit card chat.