Office beauty Bingbing is a famous early consumer. She also has a hobby of collecting credit cards. There are so many cards in her wallet that she can play cards. "Now the credit card design is so personalized that we can't let go of any one!" I'm very interested in Bingbing's annual credit card fee. When I asked, she said, "as long as you're smart and willing to work, you can't do anything." Now the first year's annual fee is exempted for applying for credit cards, and the next year's annual fee is exempted for six times. Generally, Bingbing will cancel the card in the second year, so there is no expenditure. On the contrary, because we made better use of the interest free period of credit card and became a "Monetary Fund", we made a small profit.

However, "moonlight goddess" Bingbing recently received an overdue notice from the bank. After checking, she learned that this card had applied for cancellation last year. But how can the cancellation card be overdue? It turned out that Bingbing applied to cancel the credit card through the telephone bank at that time, but the bank found that there was a balance of 3 yuan in the card after verification, and asked her to go to the counter to collect the balance in the card before going through other procedures. Bingbing didn't go because it was not cost-effective to go for 3 yuan. In fact, the cancellation procedures of this card were not completed. It's the end of the new year, and the bank bill is like ice again. This time, in order to be lazy, Bingbing paid more than 100 yuan of "Tuition". However, Bingbing specifically summarized the experience of credit card cancellation:

No "tail" is left in the cancellation of credit cards. Whether the cancellation of credit cards is handled through telephone banking or at the bank counter, in addition to preparing relevant certificates and cards, it must also ensure that there is no arrears in the card. If the deposit amount is small and you don't want it, you must explain to the staff and ask them to clear it.

After the cancellation of the credit card, you can't throw it around. The cancelled card also carries a lot of personal information, and it can be used in some places as long as the card number, so you must not throw it around. If there is no need for collection, you should cut the magnetic strip and hand it over to the bank counter for special crushing. If you want to be lazy, at least cut the magnetic stripe into several sections.

After 46 days, call the bank to inquire about the cancellation situation. No matter whether you cancel by phone or counter, you should call the bank to inquire about the cancellation situation after 46 days. It can be regarded as a real success of cancellation after confirmation.

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