Credit card is actually a good thing, but only for those who will use it well. Some people think that the bank gave money away for nothing, just paid and withdrew cash, as if it didn't need to pay back the money, and finally ended up with a very sad result. Such people are not in the minority!
I remember when I was in college, I was fooled into getting a credit card from ICBC. In fact, I didn't know about the credit card at that time. I don't remember how many years later, I received a phone call from the bank and told me to get the card... There was no later, and the card was not taken.
When I went to ICBC to check last year, I didn't have this record. At that time, I remember there were some on the credit system. Forget it, it should be OK if it wasn't activated anyway.
The first official credit card was the YOUNG card of China Merchants Bank. I remember that the credit limit was 8000 at that time, which had been used for a long time, but I forgot that it was cancelled because of something. At that time, I applied for another card of China Merchants Bank.
The second one seems to be CMB, which is a dual currency card. I didn't use the foreign currency function before. Later, I applied for another card type, this one Double currency card cancelled again It has been more than 2 years since I read the records.
Later, I applied for Wal Mart Card (cancelled), CITIC Taobao Card (cancelled), Pudong Development XX Card (for normal service, points can be exchanged and annual fee is free), Ping An XX Card (cancelled, replaced with owner's card), and CMB owner's card (cancelled). To sum up, there are: CMB XX card, Pudong Development XX card, Ping An car owner card.
The process of canceling a card
Now, as long as you don't owe money or have other cards in use, it is very convenient to cancel your credit card. You can cancel it with a phone call.
Last time, I went to the branch of China Merchants Bank to cancel the owner's card（ The car owner card of CMB is nothing but a chicken bone. The so-called fuel discount has a very high threshold. People who want to apply for it are cautious ）As a result, the staff at the outlet directly told me that I could log off after calling. I forgot the log off process a bit, so I tried to call. As a result, I could log off after less than one minute. They told me to cut off the card in my hand.
However, the card of China Merchants Bank is really beautiful. There are two cards sent to me. The black one also has my license plate number. In fact, I would not have given up this card if there were not any discount. But I use my credit card to literally pull wool. If there is no wool to pull, it is better not to.
The second is to cancel Ping An XX card
It should be called gold card, right? Anyway, the card has no design at all. The initial quota is 1W. After several times of use, it was upgraded to 2W, but it was not used. It was left unused for a long time. This time, after applying for the car owner card, I cancelled the card.
It's also very simple to log off. The phone call will take a few minutes. However, Ping An's customer service clearly told me that the cancellation will clear the points. It seems that there are not many points, so it doesn't matter.
In addition, I was reminded that the chip and magnetic stripe of the card must be cut off, otherwise, I would be responsible for the losses caused. It seems that it has been cut off and thrown into the garbage can
