Some credit card did not use value for a long time, price of some credit card is too low, we do not want to use credit card, but we do not want to cause a trouble. How are we done?
One, how to deal credit card?
1 although return,get stuck without activation, also do not plan to activation, but the course that cancels card still needs to undertake, otherwise annual year of expenses of collection is certain can let you feel painful. The proposal is in after hairpin inside a month, at latest does not cancel credit card inside more than 12 months. Bank bar offers credit card to cancel a service normally, but the bar that does not eliminate individual bank is not OK. Generally speaking, most bank asks the person that hold card calls the customer service of credit card center that reachs a bank, apply for to cancel credit card through the phone. If you do not know how to should do, credit card the reverse side has a client of corresponding credit card center to serve number.
Here still has a special case, after issueing card namely, discover line of credit is extremely low, so I do not want to use it. A lot of credit card friends ask dawdler is small pay the credit card that whether should cancel low line of credit. Why am I cancelled next again Shen Ka? Generally speaking, if you are in this bank to have two pieces of credit card, can cancel among them a piece. Nevertheless, I must remind you, if the credit card of same home bank is cancelled, it is more difficult that application is met after, want to think thrice before you act so. In fact, credit card forehead is spent can rise slowly through brushing card in later period. Study brushs a few skill of Kadika, master a bank to lift the time regulation of card. Raise limitation to need a few months only. Accordingly, if you encounter the credit card with a piece of low line of credit, you still need to rise slowly. You cannot eat hot bean curd hastily!
2 to the credit card that uses normally, you must prepaid clear debt, just can suggest to cancel credit card to the bank next. The bank agrees and register after cancelling, credit card freezes those who enter 6 months period (also call risk period, specific time is likely because of the bank different, come in 45 days commonly between 6 months) . If card is in,freeze period inside did not produce new money, card will be in freeze period after expiring cancel formally. After credit card is cancelled successfully, credit card will be cut off. Of course, if hold calorie of person to want to commemorate it, as long as can appropriate is custodial, the issue is average not quite.
Credit card needs to pay off before cancel, but if put how does money do more than debt? It looks like the deposit that is a bank. The bank won't cancel this piece of card. Of course, settling way is take out remaining sum or spend remaining sum, want remaining sum to be able to keep clear of only.
Ask an attention, credit card uses information to will be reported by credit of Chinese people bank the system records 24 months. If card is cancelled, the card that goes two years uses a record to be long-term memory in credit report system. Accordingly, if a piece of credit card has undesirable credit card to record recently, be like reimbursement of exceed the time limit, it cannot cancel credit card instantly certainly, but must retain good credit card two years above, cancel it next, so bad record reports the credence that be rolled out system.
3 although the total line of credit of everybody is number even hundred thousands of, but card is too much, line of credit is endless also and identical. The salary that the most important is us still maintains in every months of 3-5 1000 yuan. How brutal reality! The income that becomes credit card amount and me is serious when disproportionate, how can I face you? I cannot brush it even! Result, a few card are laid aside, must cancel finally.
Although decide to cancel this piece of card, but this also depends on it is which pieces of credit card. If be all-purpose card or Jin Ka, it does not have hold year of cost. Below emergency, you are OK according to money more or less to undertake choosing between them. If this is year of strict cost and a very tall platinum card, and while you do not need it, do not want hesitation to cancel it.
The service life of 4 credit card is a few years normally. If use normal, bank general passes the form such as the short message to inform the person that hold card in before old card expires a few months, send new card the person that hold card before old card expires. If credit card expires and you do not think reuse it, you also need to call to indicate your intention to the client service center of credit card the reverse side before credit card expires.
2, note
We had known how to cancel card. Normally, if the bank gets a client cancel a request, it needs to check credit card to whether have debt and other issue. Intermediate likelihood is outstanding still showed all sorts of issues, because this passes a telephone call impossibly,cancel card successfully. So, how can you just let hold calorie of person more be at ease?
1, should acknowledge year of cost derate and accountant condition, had better phone a client to serve a ministry, enquire items of an account in detail. Be not owed or accept remaining sum, and administration fee, if the short message informs cost. Some banks do not deduct expense beforehand, deduct expense finally however, this inter time won't be mirrorred on sheet of credit card Zhang. Otherwise, they are irrevocable card and wasteful time. After cancelling 45 days, call customer service of bank credit card to affirm cancel to whether succeed, lest fail because of special account, keep bad record, this is too inequitable.
2, the credit card that is cancelled is in should be not discarded anyplace. Generally speaking, should be in magnetism processing be undertakinged by cut hind, be mixed in order to avoid to be brushed by convict spirit away. Of course, if you have collection intention, you also should take care to keep.
3, credit card cancels cent for card cancel with account. Whether does the decision cancel account according to blocking the circumstance after cancelling. If there still is integral to need to cancel in credit card, but have not give out, suggest to before cancelling credit card, be changed entirely. Although a lot of people do not have this idea. . . Still need to notice. After the person that hold card refers credit card to cancel application, must not use again before credit card become effective, otherwise credit card will cancel application automatic.
Cancelling credit card is a kind of way that deals too much credit card, but if there are any bad records before cancel, it can exist all the time for certain. Accordingly, if because record,get stuck undesirable and be cancelled, it will disable completely. Accurate method is to continue to use this piece of card, and have no longer any expiring. Usually, when the time limit that should reach Chinese people bank to ask for letter system to set, the system can enclothe record of exceed the time limit automatically, in order to assure the service life of credit card.
