How to cancel ICBC e-card: Detailed guide and FAQs
Recently, the issue of cancellation of ICBC e-cards (digital credit cards) has become a hot topic. Many users want to know how to cancel ICBC e-card due to changes in needs or account management needs. This article will provide a structured how-to guide with relevant data descriptions.
1. ICBC e-card cancellation operation steps
| steps | Operating Instructions |
|---|---|
| 1. Log in to ICBC APP | Open the ICBC mobile APP and enter the "Credit Card" column |
| 2. Select e-card management | Find the "Digital Card Management" option on the credit card page |
| 3. Apply for cancellation | Click on the e-card that needs to be canceled and select the "Card Cancellation" function |
| 4. Confirm information | Check the card number and account information to confirm that there is no outstanding balance |
| 5. Complete logout | After submitting the application, wait for system processing (usually 1-3 working days) |
2. Things to note before canceling
1.Account balance cleared: Make sure there is no balance in the account associated with the e-card, and there are no outstanding installments or arrears.
2.Automatic repayment unbundling: If the automatic repayment function is set up, you need to unlink it from other accounts in advance.
3.Points use: Please redeem the accumulated credit card points before canceling. The points will be automatically cleared after cancellation.
4.Annual fee policy: Some e-card products are free of annual fees in the first year, and early cancellation may incur liquidated damages.
3. Statistics on reasons for cancellation of ICBC e-card users in 2023
| Reason for cancellation | Proportion | solution |
|---|---|---|
| low frequency of use | 42% | It is recommended to keep the basic function account |
| Change to another bank card | 28% | You can freeze instead of logging out |
| Account security management | 18% | Enable account security lock function |
| Annual fee issue | 12% | Apply for annual fee reduction |
4. Frequently Asked Questions
Q1: Will canceling the ICBC e-card affect my personal credit report?
A: Normal cancellation will not affect your credit report, but if there is an overdue repayment record on the card, it must be processed before cancellation.
Q2: Can I reapply after cancellation?
A: You can apply again, but restrictions on new accounts of some promotions may apply.
Q3: How long does it take for the cancellation application to take effect after it is submitted?
A: It usually takes 1-3 working days to complete the processing, during which the card will be frozen.
5. Suggestions for alternatives
1.Account freeze: If you do not use it for a short period of time, you can freeze the account first and keep the card number and other information.
2.Downgrade processing: Downgrade high-level cards such as platinum cards to ordinary cards to reduce annual fee pressure.
3.Functional limitations: Set the transaction limit to 0 through the APP to achieve the "quasi-logout" state.
6. Summary of ICBC customer service channels
| Service channels | Contact information | Service time |
|---|---|---|
| Telephone customer service | 95588 | 24 hours |
| Online customer service | ICBC APP "Customer Service" Entrance | 8:00-22:00 |
| Branch counter | Business outlets in various places | Business hours on weekdays |
Summary: You need to be careful when canceling the ICBC e-card. It is recommended to cancel it completely or temporarily freeze it according to actual needs. Be sure to clear the account-related business before operation to avoid affecting the use of other financial services. If you have any questions, you can consult professionals through ICBC’s official channels at any time.
check the details
check the details
en
