The credit card market is an enticing big cake. Banks want to share a piece of cake. In order to seize market share, they have started card issuance competitions. By the end of 2016, China’s per capita credit card holdings exceeded 4, and with so many cards, some people would have to cancel their credit cards. To cancel your credit card, you must know these 6 things.
1. Sell the card immediately after the deadline
Comrades with overdue credit cards, if you think that you can erase bad credit records by writing off your credit card, you are very wrong.
The correct way is to continue using this card, and don't overdue it. After 24 months, the system will automatically overwrite the previous overdue records. If you sell your card immediately after the deadline, bad records will always follow you.
2, not brushed enough times to sell cards
Different banks have different annual credit card deduction policies. Usually, most credit cards need to be flushed a certain number of times. If some credit card consumption reaches a certain amount, the annual fee can be waived.
If your credit card has not been swiped enough, it will be sold, which is equivalent to not paying the annual fee. Your credit will be overdue.
3. If the arrears are unclear, they will be sold.
Before we log out, we usually need to check whether there are still arrears in the credit card, such as cash withdrawal interest and account management fees. It is not possible to see the bills. It is easy for people to think that they have paid off their debts.
4. Use a credit card during the clearing period
When canceling a credit card, there is usually a “clearing period†of about 45 days to ensure that the card can be cancelled without any delay in the transaction. In this "clearing period", the cardholder must be careful not to use the credit card for any transaction, otherwise the card will fail.
5, the sales card does not equal the cancellation
When the credit card is cancelled, only one credit card under the name of the cardholder can be cancelled. Generally, after the card is applied for, the card can be effective immediately; while the credit card is cancelled, the cardholder is cancelled. Before the account is closed, all the arrears must be paid off, and after the application for cancellation, it usually takes 45 days to take effect. After the account is cancelled, the points are cleared.
6. The credit card was not destroyed after the account was cancelled.
After the credit card is cancelled, be sure to cut the invalid credit card along the magnetic strip. If the credit card is not destroyed, the credit card is at risk of being stolen.
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