Many people avoid these types of procedures for fear that they are excessively bureaucratic. However, it is a simple management
Mariano Fuchila
With the economic crisis Every day people seek to cut their expenses, among them now there are also credit cards, which raised the interest rate this month to 140.36%. Month after month, many people try to get rid of plastic, but they don’t know how and they don’t know that it is possible to do so even if they have outstanding debts.
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Many people even avoid these types of procedures for fear that they are excessively bureaucratic. However, it is a simple management.
Each banking entity must take care of giving the client details of how to request cancellation of your credit card, since each company has its formality. It is necessary to know that the company cannot refuse to provide this information and that the low They can be processed in person at any branch or remotely, through electronic means.
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Among the most common questions that arise when canceling a card is the possibility of terminating the service when you still have debts with the bank. According to him Central Bank (BCRA)in the event that there is outstanding debtsit’s possible void plastic, although in those cases it is possible that the entity request that the interested party make the Procedure personally.
What should I take into account when canceling my credit card?
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Each entity must provide the client with the procedure corresponding to the cancellation request credit card.
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Despite having outstanding balancesthe card can be canceled.
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From the date of submission of the application, the obligated subjects will not be able to earn No kind of commission and/or charge, it being possible to only charge commissions and/or charges accrued prior to the date of the request.
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Los consumption made in installments, will continue to accrue monthly according to the agreed amortization system, and the cost of maintenance.
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The entity can only collect the charges by sending account summary in paper format (not virtual), if that modality was previously chosen.
What do I do if the bank does not allow me to cancel the credit card?
If the company does not accept the cancellation of the servicethe first thing to do is to carry out a claim within the same entity and if the request is not successful, the procedure can be carried out before the BCRA.
To do so before the BCRA, it is necessary to present the following information and documents:
- To be end user of financial services. This is considered to be human and legal persons who, for their own benefit or that of their family or social group and as final recipients, without commercial purposes, make use of the services offered by banks, financial companies and/or credit cards. .
- Claim Number assigned by the financial institution or credit card issuer involved.
- Front and back of DAYS.
- Claim what was done to the entity.
- Answer provided by the entity to the claim.
- having passed 10 business days from the filing of your claim.
With all this information, you have to fill out a online form on the website of BCRA.
2024-01-19 23:54:03
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