When we go to the bank to handle business, I believe that I will always be recommended to apply for a credit card. If it is correct, the bank will sell it to you whenever there is a chance. Listening to you may be heart-wrenching, do one, and use it. I will do it first.
Or if you have a friend who works in a bank, in order to complete the performance, let you help me with the card. You can do it because of your face, but after you finish it, you just don't care about it, let it sleep!
One day you went to the bank to apply for a loan, and the result was told that there was a credit stain because the credit card was not paid back. Are you sure to be dizzy at this time?
"When I used my credit card and forgot to pay back?"
So you remembered that you used to have a credit card, but you didn't activate it at all, and never used it!
Isn't the credit card that is not activated also incurs a fee?
Generally speaking, an unactivated ordinary credit card does not charge an annual fee. If the card is not used, it will not affect the personal credit record. However, if you are working on a special credit card or a higher-level credit card, an annual fee will be incurred if you do not activate it. For example, Platinum cards, diamond cards, these cards will have a lot of value-added services, the annual fee is much higher than the ordinary credit card, and will be directly deducted from the credit card limit. If you don't pay attention to the bill and you can't pay back in time, it will definitely be overdue.
You confessed to a special card type of credit card, and did not understand the deduction mode of the annual fee, there was a credit stain.
If the bank's friend is looking for you to do the card, in order to receive the gift or help, you will do it, but afterwards I feel that this card is not used, or it is recommended to cancel the card. It is not clear to many people about whether or not credit cards are activated. Some bank cards have begun to charge annual fees, and they simply don’t know. This is unclear. After the expiration, it is easy to cause the credit card to be overdue and even enter the credit blacklist. Similarly, for long-term idle credit cards, the annual fee may be charged, but we have forgotten this. Staying with it is likely to leave trouble!
However, the sales card is very particular. Before you sell the card, you must pay attention to these points:
1, call to ask customer service
To understand these issues to the customer service: there are no unpaid money on the credit card. If there is no overdue situation, if you don't have it, you can rest assured. If there is any overdue, then don't rush to sell the card. Because it takes 24 months to be overdue, if the overdue record is not updated after the card is sold, it will affect our personal credit.
2, pay off all bills arrears
If there is no debt, it is best. If there is still arrears in the card, the bank will definitely not agree with our application. Can not sell the card. It is recommended that you go directly to the counter at the outlet to make a credit card repayment. When repaying, you must explain it with the staff. However, some banks will offer an annual fee waiver 3 to 6 times a year. If we have already sold enough times and canceled the annual fee, we do not need to consider this fee. If we haven’t brushed enough times, we will charge our annual fee. Therefore, before the card is sold, it is necessary to pay a few times to make up the number of times, so that the annual fee can be saved smoothly and the expenditure can be reduced.
3. Submit a cancellation application to the bank
It is not necessary to pay attention to the sales card and the cancellation of the account. The sales card is to cancel the unused credit card, but the customer information still exists. The cancellation of the account refers to deleting all the credit cards under the account name and deleting the account, including the personal information in the account. Therefore, if you are sure that you will not use this credit card again, and you have not applied for other cards in the bank, you are advised to apply for cancellation. If you have a bank card or credit card that the bank is using in your name, you will not be able to choose to cancel your account.
4, need to wait for 45 days of inspection period
There is a period of cancellation, and the bank usually has a 45-day “clearing periodâ€. After this period of time, it can be confirmed whether the credit card has been successfully cancelled.
5, cut off the card
After the credit card is cancelled, be sure to cut the card in case the credit card information is stolen. If the credit card has been lost and you want to cancel the card, it is best to apply for a loss before you log out, and then log out.
To apply for a credit card, you must be cautious when using a credit card. Sometimes you accidentally bring trouble to yourself, and it is worthless!
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