Now most banks will launch theme cards or joint cards with different interests and activities, resulting in some users applying for multiple credit cards. However, excessive credit cards can easily affect loan processing and credit card increase, so many cardholders will choose t

2025/06/0506:21:34 finance 1904

Now most banks will launch theme cards or joint cards with different interests and activities, resulting in some users applying for multiple credit cards.

However, excessive credit cards can easily affect loan processing and credit card increase, so many cardholders will choose to cancel credit cards that they use frequently.

During the cancellation process, some cardholders may not be completely cancelled due to irregular operations. Therefore, today Cai Optimized and sorted out the steps for canceling credit cards, hoping that it will be helpful to everyone.

First of all, it is recommended that you go to the bank counter to complete the cancellation procedures, bring your personal ID card and credit card, and follow what the counter staff said. Of course, you can also call the credit card service to cancel, but it is relatively troublesome to operate and in the event of poor communication, it is easy to make mistakes.

Secondly, under normal circumstances, the bank will reserve about 45 days for the account liquidation period and confirm that the cardholder has fully returned all the debts, so that the bank will apply for a formal cancellation for the cardholder. Therefore, cardholders should make sure not to use credit cards during this period, and call the bank credit card customer service number after 45 days to confirm whether the cancellation is successful.

Finally, after confirming that the credit card has been successfully cancelled, do not discard the credit card at will. If possible, you can put it in first, or destroy the magnetic strip before discarding it.

In addition, the one thing that financial optimization should remind everyone is that if there is an overdue record within two years of this card, then you must not cancel it easily, otherwise the bad records will be preserved for a long time in the personal credit report, affecting subsequent loan application.

At the same time, the credit cards under your name must be properly managed. If you don’t use them for a long time, you must cancel them in time, otherwise it may cause a lot of unnecessary trouble.

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