1, telephone banking cancelled.

Basically, ordinary credit cards can be cancelled by telephone banking. Of course, some banks may be a little troublesome, while others are different, such as China CITIC Bank and China Merchants Bank, which are very convenient. Note that you can cancel your credit card by phone only if you can cancel it.

2. The bank counter is cancelled.

Going to the bank counter to cancel is also the method used. But pay attention to the following points:

First: bring the necessary documents, such as ID card, credit card, and prepare the money if the credit card owes money!

Second: remember to avoid the rush hour of the bank, so as not to queue for too long and delay your normal work and life.

Third: truthfully explain the situation to the staff. If you really want to return your card, don't change your mind easily

First, before applying for account cancellation and account cancellation, make sure that the points in your credit card have been redeemed to avoid wasting points. Because credit card points are consumer rewards from the issuing bank, you can exchange the corresponding items at the issuing bank. All the points in the card will be cleared after account cancellation and card return, so you must redeem the points before account cancellation and card return to avoid unnecessary losses.

Two, credit card cancellation in the settlement period shall not use credit cards. Because there will be a 45-day "settlement period" before the credit card account is officially effective, if you try to use the credit card again during this period, it will lead to the failure of account cancellation. So if you are not sure whether the account cancellation is successful, you can contact the issuing bank to ask. Of course, if the user goes back on his word before the account cancellation officially takes effect and wants to withdraw the account cancellation application, he can also contact the issuing bank to reopen the function.

Third, it is necessary to be cautious to cancel the card after the credit card expires. If the credit card is overdue, you can apply for account cancellation or card refund immediately after handling the arrears, but you can still leave your overdue record in the credit report of the issuing bank. And the overdue record of this credit card will be kept in your personal credit report for 5 years. So what are we going to do? The correct way is to continue to use this credit card after full repayment, and gradually cover the overdue bad records with good records. Within two years, this overdue record will no longer affect your personal credit information.

Fourth, if the credit card only sells the card and does not cancel the account, it will not be able to enjoy the treatment of new users. Many banks stipulate that after 6 months to 12 months of successful account cancellation, they can apply for a new credit card and enjoy the treatment of new users again. However, if you just return the card and don't cancel the account, you are an old customer of the issuing bank, and you will not be treated as a new user when you apply for a new credit card again.

Therefore, the cancellation and cancellation of credit cards seems simple, but there are actually many precautions. Therefore, you must be prepared before canceling your account and card to reduce unnecessary trouble!