Cancel a credit card represents something. very complicated, which is why many do not finish the process and stop trying due to the delay in the process.
In order to retain customers, banks often make it difficult the card cancellation process.
Cancel credit cards
The National Commission for the Protection and Defense of Users of Financial Services (Condusef) revealed a practical trick, which allows you to carry out the process easily.
The credit cards issued by a financial institution or commercial chains, and allow users to purchase items or borrow cash from the issuer.
This method makes it easy to pay for the products when no cash availablein addition to being a great help to start building a credit history.
However, the mismanagement of these financial instruments They turn a small debt into a gigantic debt due to the high interests of the banks, so users seek to cancel their card
So you can cancel
After several attempts the users They give up on canceling their credit cardbut Condusef revealed some effective ways to make this movement.
Canceling a credit card is a relatively simple processbut it is important to take the proper steps to ensure that the cancellation is carried out effectively.
The institution issued a series of recommendationswith which banks will not be able to hinder their clients if they end their relationship with the banking institution
First you owe the card in zeros, that is the first step that Condusef recommends to cancel. You can know this by verifying your Account Statement.
You must also deregister your address. This is necessary to prevent payment methods associates continue to get paid. Remember that if you have an outstanding balance, the card cannot be canceled.
Clearly communicate the reason for the cancellation, by phone or in the branch. The bank must give you an acknowledgment of receipt and a sheet of your case.
If requested by the bankyou must deliver the card personally, and if you do not have it, you only have to make a statement in which you state that you have already destroyed it or that you do not have it.
keep a card
You must keep in mind that the process of canceling a credit card It has no cost, so you don’t have to pay for it.
It is important to remember that canceling a credit card can affect your credit history, as it could reduce your credit limit and affect the ratio between available credit and used credit.
Be sure to consider the implications before cancel a credit card. If you have multiple credit cards and are trying to improve your credit score, keep the oldest card and with an excellent track record to keep your track record strong.
2023-10-14 14:50:47
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