Precautions for credit card cancellation
1. After the cancellation of the credit card, please cut off the magnetic stripe of the card and handle it properly.
2. After cancellation, you can still log in to the online bank to check the accounting information, and the original card can still receive repayment or refund. Please pay attention to whether the credit card debt has been paid off.
If you want to use a credit card in the future, you can contact the customer service hotline to apply.
4. There is no handling fee for credit card cancellation, which will not affect the use of other unregistered cards.
How to return CCB's credit card? First of all, the cardholder needs to cancel the card from the customer service in Chen Qing and fill in the corresponding credit card cancellation application. Customer service can cancel the card after verifying the identity information of the cardholder. However, if the credit card has arrears, including annual fees and handling fees, you need to pay off the corresponding arrears before you can cancel the card.
At present, CCB credit card users can also directly dial the CCB credit card hotline (to manual) or dial (to credit card customer service), and then directly apply to customer service for card cancellation. And provide your own relevant identity information so that customer service can check the information.
Generally speaking, when the cardholder applies for canceling the card, the customer service will advise you to continue using it. So if you really want to cancel the credit card of CCB, you must be tough. After checking the credit card and cardholder information, the customer service can handle the card refund business.
Cancellation of CCB credit card is very simple. As long as your credit card account is not in arrears, you can use the fixed telephone to call the CCB Credit Card Center at 400-820-0588 or call 95533 (transfer to the Credit Card Center) to cancel the card. After verifying your personal information and account information, the customer service staff will go through the formalities of returning the card for you, and there is no handling fee for returning the card.
You don't have to pay for the problem of returning the credit card of Bank of Communications! However, you have already incurred the annual fee in the second year of this card. Free of the annual fee for the first year when you apply for a card, and free of the annual fee for the second year when you swipe your card six times. So, you have incurred an annual fee, so you have deducted money from your credit card. Therefore, if you want to return the card, you must first return the money in the credit card, go to the ATM to check the balance, you can return it if it is missing, and then call customer service to return the card.
When you cancel your card, the bank staff will advise you not to cancel it. Anyway, you insist on your own wishes, cancel! Finally he sold it to you!
Hello, I don't quite understand what you mean. Please explain further.
If the card is damaged and replaced, and the credit card cannot be used due to damage, fracture, vague signature, demagnetization of magnetic stripe, etc., you can log in to the online banking public edition/professional edition and click Card Management-Card Damage Replacement.
If the credit card is lost, stolen or occupied by others, the cardholder shall report the loss immediately. The risk of theft of a credit card after loss reporting shall be borne by the bank, and the non-password consumption within 48 hours before loss reporting shall enjoy the protection of card loss according to the prescribed rules. If the card is not reported in time, the risk will be borne by the customer. Please call the credit card customer service hotline 4008205555, select "2#" and transfer it to the customer service specialist for handling. It takes 2 working days to make a new card after the loss is reported, and it can be sent by Rufengda free express (about 1 week) or EMS express (about 48 hours). The loss reporting fee and express fee are included in the next bill.
When the credit card expires, when the validity period of the credit card is about to expire, the bank will generally send a card replacement notification message to the cardholder and send a new card to the cardholder on its own initiative without going through any formalities. If the old card type has stopped issuing, another card type will be issued after the expiration. Please log in to the online bank and choose a replacement card type or cancel sending a new card according to our SMS or email instructions. The student card expires, please change or transfer the graduation card. Please log in to online banking immediately according to our SMS or email prompts. Online banking is operated in Card Management-Young Card Management. Usually a new card will be sent to you at the end of one month before the credit card expires, and it is a registered letter. Generally, the sending time of registered letters is within 15 days.
How to change the card type of China Merchants Bank's credit card If you want to change the currency of China Merchants Bank's credit card, you have to apply for a credit card in other currencies, or you can apply for a full-currency credit card.
How to withdraw cash from China Merchants Bank credit card? What questions do you want to ask? Is it Alipay or credit card?
The extra money in the credit card is called overpayment. You can only call the customer service of China Merchants Bank to apply for withdrawing money, and you are allowed to withdraw it on any bank debit card. You need a handling fee, but you forgot. According to the percentage of the amount, but the upper limit is 50 yuan.
Alipay can't use credit card to recharge and withdraw cash.
How about China Merchants Bank credit card? Welcome to pay attention to the credit card of China Merchants Bank. The basic functions of credit cards are the same, such as credit card consumption, online payment at home and abroad, cash advance, installment payment, credit card points, accumulated credit, and interest-free period of up to 50 days. For different credit cards, different offers and promotions will be launched from time to time. Due to different personal preferences, I suggest you choose according to your own preferences. If you need more information about the credit cards currently launched by China Merchants Bank, please log on to the credit card website and click.
How to score credit cards of China Merchants Bank? Cumulative credit card consumption points of China Merchants Bank, with a single consumption of RMB 20/USD 2 1 point.
Car cards and city theme series gold cards accumulate 1 points for every 20 yuan or USD 2, and an extra 50% points are given (the points are rounded off), but the validity period is 2.5~3 years.
YOUNG card, Sina Weibo credit card and GQ card holders will get 1 times extra points in the birthday month, with a maximum of 2,000 points.
How to borrow a credit card from China Merchants Bank;
You must hold China Merchants Bank Credit Card, Personal Card, MasterCard and All-in-One Card, and keep a record of how to use the card. If you only hold business cards, business cards, purchasing cards, ANA protection cards or supplementary cards, you cannot apply for cash installment temporarily.
Friendly reminder: the above are the necessary conditions for applying for cash installment. Whether the final application for cash installment is passed or not depends on the comprehensive evaluation results of China Merchants Bank Credit Card Center.
Credit card application method:
I. Credit card online application process
1. Log in to credit card online/mobile banking and select the "installment financing" interface.
2. Enter "Cash Installment-Installment Application", enter the transfer card number and application amount, and select the purpose of funds and the number of installments.
3. Enter the query password, and the system will review it in real time. If the application is approved, the loan will be released immediately.
Second, the telephone application process
1, call the customer service hotline, and press 9 for manual service after authentication.
2. Inform the customer service specialist of the application amount, installment number, transfer card number and fund use.
3. The system will conduct real-time review and the application will be released immediately.
Credit card application amount:
Currency: RMB
Minimum single application amount: 2000 yuan.
Cumulative maximum application amount: 50,000 yuan.
Transfer account: the user of China Merchants Bank Card under your own name.
Credit card charging standard:
Periods 36101218 24
One-time handling fee 0.95% 0.8% 0.75% 0.75% 0.75% 0.75% 0.75%.
You can choose a variety of deadlines, and the handling fee will be collected in stages. The total installment principal is amortized monthly, and the balance is included in the last installment. At the same time, the installment amount and the handling fee of each period are recorded.
Use of funds:
The money applied for cash installment shall not be used for investment (including but not limited to equity investments such as house purchase, stocks and futures), but only for consumption (including but not limited to decoration, household appliances, wedding, car purchase, student aid, tourism, medical care, etc.). ).
How to unfreeze China Merchants Bank Credit Card If it is a China Merchants Bank credit card, it is necessary to determine the reason for freezing. If it is a loss reporting freeze, it cannot be unfrozen at present. If it is frozen because of arrears or impersonation, because Baidu is a third-party public network platform, we can't directly verify your actual personal data. Please call the customer service hotline of China Merchants Bank 5- Enter the account opening certificate number #-to check the password and enter the manual to help you further judge whether it can be unfrozen.