怎么注销交通银行的信用卡

How to Cancel the Credit Card of Bank of Communications

在日常生活中，可能由于各种原因，您需要注销交通银行的信用卡。以下是详细的注销流程和注意事项。

In daily life, for various reasons, you may need to cancel the credit card of Bank of Communications. The following is the detailed cancellation process and precautions.

首先，您可以选择前往柜台办理注销手续。这需要您携带有效的身份证件和信用卡前往交通银行的营业网点。在银行上班时间内，到达网点后向工作人员说明您要注销信用卡，工作人员会协助您办理相关手续。

First of all, you can choose to go to the counter for the cancellation process. This requires you to carry a valid ID and the credit card to the business outlets of Bank of Communications . During the bank's working hours, when you arrive at the outlet, explain to the staff that you want to cancel the credit card, and the staff will assist you with the relevant procedures.

其次，您还可以通过拨打交通银行客服热线 95559 或者信用卡服务热线 400-800-9888 来注销信用卡。根据语音提示转人工客服，向客服提出注销信用卡的申请，核实用户身份后即可办理注销手续。

Secondly, you can also cancel the credit card by calling the customer service hotline 95559 of Bank of Communications or the credit card service hotline 400-800-9888 . According to the voice prompt to transfer to the manual customer service, submit the application for canceling the credit card to the customer service, and the cancellation process can be handled after verifying the user's identity.

另外，您也可以下载交通银行信用卡 APP 买单吧进行操作。选择“我的”——选择右上角人像图标——进入客服页面——发送关键词“信用卡注销”，依据提示进行操作。

In addition, you can also download the Bank of Communications credit card APP "Buy It" for operation. Select "Mine" - Select the portrait icon in the upper right corner - Enter the customer service page - Send the keyword "Credit Card Cancellation", and operate according to the prompts .

在正式销卡前，您需要注意以下几点：

Before the official card cancellation, you need to pay attention to the following points:

要在正式销卡前偿清欠款。如果有溢缴款的，可以选择将溢缴款消费到余额，也可以选择前往交通银行的柜台支取卡内余额。交通银行信用卡主卡持卡人可以为附属卡销卡，附卡销卡主卡持卡人不受影响，但是，当主卡销卡则附属卡也会同时销卡。信用卡积分可以转到持卡人的另一张行内信用卡上。

It is necessary to settle the outstanding debts before the official card cancellation . If there is an excess payment, you can choose to consume the excess payment to the balance, or you can choose to withdraw the balance in the card at the counter of Bank of Communications . The main cardholder of the Bank of Communications credit card can cancel the supplementary card, and the main cardholder will not be affected by the cancellation of the supplementary card. However, when the main card is cancelled, the supplementary card will also be cancelled at the same time . The credit card points can be transferred to another in-bank credit card of the cardholder .

用户要想注销交通银行的信用卡，一般的流程如下：

The general process for users to cancel the credit card of Bank of Communications is as follows:

第一步，查询是否有欠款。用户在注销信用卡前，一定要确保信用卡中没有任何的欠款，否则是无法进行注销的。如果发现欠款，则需要及时的归还。

The first step is to check if there are any outstanding debts. Before canceling the credit card, users must ensure that there are no outstanding debts in the credit card; otherwise, it cannot be canceled. If outstanding debts are found, they need to be repaid promptly.

第二步，携带相关证件到当地的银行。在银行上班的时间内，用户需要携带自己的信用卡和身份证到交通银行中办理注销手续。这一步需要本人去办理，不可以进行代办。所以，用户在办理的过程中，一定要注意这一点。在办理的时间上，最好也要避开上班的高峰期，否则会耽误我们过多的时间。

The second step is to carry the relevant documents to the local bank. During the bank's working hours, users need to carry their credit card and ID to Bank of Communications to handle the cancellation procedures. This step requires the user to handle it in person and cannot be handled by an agent. Therefore, users must pay attention to this point during the processing. In terms of the processing time, it is best to avoid the peak hours of work, otherwise it will waste too much of our time.

第三步，填写申请表。到达银行时，用户把自己办理信用卡注销的情况，告诉银行的工作人员。这时银行通常需要用户填写一张信用卡注销申请表。用户认真的填写完成之后，交给银行就可以了。当然，在这时还需要相关的签字和拍照，这些方面按照银行工作人员的指示，进行相关的操作即可。

The third step is to fill out the application form. When arriving at the bank, the user tells the bank staff about the situation of canceling the credit card. At this time, the bank usually requires the user to fill out a credit card cancellation application form. After the user fills it out carefully, it can be handed over to the bank. Of course, at this time, relevant signatures and photos are also required. For these aspects, follow the instructions of the bank staff and perform the relevant operations.

第四步，耐心的等待。当用户提交申请之后，并不是立即就可以注销了，而是需要一个 45 天的清账期。在这段时间内，用户就不要再次使用信用卡消费了。并且注意这段时间内是否会产生年费。在保证卡中没有欠款的情况下，45 天后就可以完成注销了。

The fourth step is to wait patiently. After the user submits the application, it is not possible to cancel immediately but requires a 45-day settlement period. During this period, the user should not use the credit card for consumption again. And pay attention to whether an annual fee will be generated during this period. Under the condition of ensuring that there is no outstanding debt in the card, the cancellation can be completed after 45 days.

第五步，剪卡。这是非常重要的一步，在注销成功后，用户不要随意的丢弃卡片。需要把相关的磁条和芯片剪断，以免被他人盗走信息。

The fifth step is to cut the card. This is a very important step. After the successful cancellation, users should not discard the card at will. It is necessary to cut the relevant magnetic stripes and chips to prevent the information from being stolen by others.

交通银行注销信用卡注意事项：

Precautions for canceling the credit card of Bank of Communications:

如果您有不打算使用的或者没有激活的交通银行信用卡请及时注销，有些特殊卡种未激活的也收取年费。

If you have a Bank of Communications credit card that you do not intend to use or is not activated, please cancel it in time. Some special card types also charge an annual fee if they are not activated .

在注销交行信用卡之前，请确保您的账户中已经没有欠款，同时也不要有余额。

Before canceling the credit card of Bank of Communications, please ensure that there are no outstanding debts in your account and no balance at the same time .

如果您所持信用卡实在没用，在办理交通银行信用卡注销时，即使客服人员会以各种诱惑挽留您，请一定要坚定立场，持卡人有权注销卡片。

If the credit card you hold is really useless, when handling the cancellation of the Bank of Communications credit card, even if the customer service staff will try to retain you with various temptations, please be firm. The cardholder has the right to cancel the card .

注销交通银行信用卡完全免费，没有任何注销费用。

Canceling the credit card of Bank of Communications is completely free, and there are no cancellation fees .

您还可以拨打交通银行的客服电话 400-800-9888，客服人员在核实您的身份后即可办理注销手续，所有流程都可以通过电话完成，申请成功后，45 天之后就可以正式注销了。在注销交通银行信用卡之前，请确保账户中已经没有欠款，同时也不要有余额。

You can also call the customer service hotline 400-800-9888 of Bank of Communications. After the customer service staff verifies your identity, they can handle the cancellation procedures. All processes can be completed by phone. After a successful application, it can be officially canceled after 45 days . Before canceling the credit card of Bank of Communications, please ensure that there are no outstanding debts in the account and no balance at the same time .

注销后的交行信用卡卡片一定要剪断或者破坏词条，以免落入不法分子手中，而且只有在注销 45 天后，账户里没有欠款或溢存款，系统才会自动销户哦。

The card of the Bank of Communications after cancellation must be