How to return the credit card?

How to return the credit card of CITIC Bank?

There are two ways:

1. Counter handling of outlets:

Cardholders can bring their ID cards and credit cards to the counter of the issuing bank outlets, explain to the staff that they need to return their cards, and then fill out the application form for card return, explaining the specific reasons for card return. After the staff verifies their identity, they can return the card.

2. Customer service telephone handling:

The cardholder can call the customer service number of the credit card center of the issuing bank (400-889-5558), and then transfer to manual service according to the prompt, and then explain to the staff to apply for card return, provide their own relevant information, and the other party will check the information to return the card.

There are three precautions before returning the card:

1, verify the accounts.

Before we cancel the card, we need to confirm whether our credit card has paid off all the debts. If there are still outstanding debts, we should pay them off first before canceling the card.

2, the overall processing

Before you cancel your card, check how many points you have on your credit card and what you can exchange, whether it's a gift or a phone bill. In short, don't let the points go to waste. If it is not exchanged, the points will be cleared when the card is cancelled.

3. Pre-sale account

Call the customer service center of the bank, go through the formalities of pre-cancellation, and ask how many days you need to wait for the liquidation period (usually 45 days). You can go to the bank branch counter to officially cancel the account.

Extended data

Cancellation of credit card is not the same as cancellation.

According to the Administrative Measures on Customer Identification and Customer Identity Data and Transaction Records of Financial Institutions, bank account information shall be kept for at least 5 years from the year of transaction records. Therefore, after the credit card is cancelled, the account still exists, and the customer can also check the transaction record of this credit card as needed.

At present, the interest-free period of credit cards will exceed 50 days at the longest, and there is also a time difference between billing date and repayment date. When citizens cancel their credit cards, there may be cases where credit cards are not recorded in time after consumption, resulting in some customers' credit cards still in arrears, which will generate "invisible" interest for a long time.

Therefore, when the customer cancels the credit card, it is best to call the customer service phone of the bank about 40 days after the card cancellation to confirm whether his account has been cancelled successfully, so as to avoid trouble in the future.

Credit card cancellation will not affect credit. When canceling a credit card, it can be divided into two types: canceling the card itself (generally called canceling the card) and canceling the account. The cancellation of a credit card only cancels the card itself, but the bank will keep the user's personal information; Account cancellation means canceling all the credit cards of the user in the name of this bank, and will not keep the personal information of the user. Credit cards need to be repaid before cancellation, and there is no overpayment of credit cards. At this time, you can call the credit card customer service hotline to apply for card refund or account cancellation. After the application is submitted, the bank will review it. Usually after 45 days, users can call customer service to ask if the cancellation is successful.

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.