What is the cancellation process of industrial and commercial bank cards?

1. One is to go directly to the bank counter to cancel the account with personal ID card or other valid identity information and bank card; Second, you can directly contact the customer service staff to cancel.

You need to open a bank card at the bank counter. When you cancel your card, you can choose a nearby industrial and commercial bank, and you don't have to go to the bank. The cancellation procedures are basically the same as the account opening procedures, and both need to carry valid personal identity information or ID cards. The difference is that when I cancel my card, I have a bank card in my hand. When handling the cancellation business, you need to fill in the cancellation application form, and the staff will verify the relevant information and cancel the bank card. After the cancellation of the industrial and commercial card, the bank will recycle it and handle it uniformly.

3. If you are unwilling or inconvenient to go to the bank for cancellation, you can directly call the bank's customer service phone to explain your effective appeal. The customer service staff will also cancel the ICBC bank card after verifying the information, which is different from the cancellation business at the counter. After canceling the bank card by phone, the bank card is in your own hands, and the telephone customer service will not recycle the bank card. Can be handled by the cardholder himself, generally can be cut, not into the hands of others.

4. Industrial and commercial bank cards are divided into savings cards and credit cards, and the cancellation methods are different:

1) The cancellation of ICBC savings card can be handled at the bank branch counter. You need to bring your valid ID card (if there is an outstanding personal comprehensive loan agreement in the card, it is not supported to cancel the card in different places) or please log in to online banking, and the balance of account cancellation is less than or equal to the 300 yuan in the card.

2) ICBC's credit card cancellation can call ICBC's customer service telephone number 95588, and turn to manual service according to voice prompts, or handle the credit card cancellation at the designated business outlets of ICBC (the cancellation can only be handled without arrears, and the annual fee will be charged according to the number of months of use if the annual fee is not reduced).

5. Tips:

1) Cancellation can only be made without arrears;

2) If the annual fee waiver and cancellation conditions are not met, the annual fee will be charged according to the number of months you use. It is recommended that you continue to use your card until you reach the annual fee reduction standard.

3) It should be reminded that the cancellation of credit cards must ensure that there are no outstanding bills and excessive overpayments. In addition, there is a waiting period of 45 days after the cancellation of the credit card, during which no new bill or overpayment can be generated, otherwise the cancellation of the credit card will fail.