When friends sell credit cards, they must know the difference between pre-sales and official sales!
Let us first talk about why the credit card can be used after it is written off. In fact, this is due to the complexity of the credit card cancellation process. Credit card involves many factors such as overdraft consumption, merchant follow-up payment, repayment period, etc., so the cancellation process is roughly divided into two stages: “pre-sale†and “officialâ€. “Pre-sales households†means that the credit card cancellation account has a 45-day liquidation period. During this period, in order to prevent the partial overdraft consumption of the bank from arriving late, it is necessary to confirm whether the cardholder has other unpaid bills, such as SMS management. Fees and other fee information, so during this time, the credit card has not been completely cancelled. The small A mentioned in the card group mentioned above was in the process of stealing the brush. “Official account cancellation†means that after the cardholder applies for the account for 45 days, the card-issuing bank has confirmed that the cardholder account has no debts, and the cardholder’s credit card account is officially cancelled. Therefore, friends must not feel that they are “all good†after applying for an account cancellation, and no longer pay attention to the security of credit card accounts. Friends should know that the above-mentioned small A's behavior of arbitrarily abandoning credit cards is very easy to be stolen. On the one hand, during the period of applying for account cancellation, you can still log in to the online banking for consumption operation through the account password. On the other hand, when using some overseas websites, you only need to use the CVV2 code on the account and credit card to consume. Password validation. Therefore, regardless of whether or not you apply for a cancellation account, you cannot arbitrarily “send out†your credit card number and CVV2 code. The cancellation process can only be terminated after confirming that the credit card has been successfully cancelled. Under normal circumstances, the credit card cancellation does not need to pay any handling fee. The cardholder can submit the cancellation request by calling the customer service hotline, online banking application, applying to the outlet counter, and applying in the bank APP channel. In normal circumstances, the normal process of credit card cancellation is: clear all bills and arrears - apply for cancellation to the issuing bank - wait for 45 days of inspection period - officially canceled successfully - cut off the credit card that has been successfully cancelled. After this process, there is no security risk of being stolen by credit card cancellation. What if the friends want to get back the account after they have sold the card? In fact, after the credit card is cancelled, it is still possible to recover. The cardholder needs to apply for a card cancellation to the bank within 6 months after the official cancellation of the credit card. If the cancellation is more than 6 months, the card cannot be re-applied and only a new credit card can be applied. If the cardholder's credit card is valid for less than 2 months, it is impossible to re-card. Summary: Credit card sales and sales are very different. A card is a cancellation of a certain card or a number of credit cards, so it is for the cancellation of a single card. The cancellation of the account refers to the cancellation of all credit cards in the bank's credit card account and my account. Therefore, the most thorough cancellation is to cancel the account rather than sell the card. The case of Xiao A can be said to be a typical sales card loophole. It is recommended that friends, after applying for a sales card to the bank, must destroy the card in time. The chip card must be broken, so as to ensure the destruction of their physical cards. At the same time, friends must untied all kinds of fast payment, such as WeChat Wallet, Alipay, UnionPay wallet, etc., so as to avoid theft of the account due to the leakage of the account. I hope this information will help my friends. PU Key Chain,Plastic Key Chain,Acrylic Key Chain,Metal Key Chain,Polyresin Key Chain,Personalized Keychains. Jilin Y.F. Import & Export Co.,Ltd , https://www.jlpencilcase.com
Recently Xiaobian met a netizen reader, this friend we will use a small A instead. Xiao A said: I applied for credit cards from three banks. Because the two banks gave a lower amount, they were less than 5,000 yuan. After the small A directly sold the card through the telephone bank, the card was not destroyed. Throw it away. However, what Xiao A did not expect was that within two or three days, the two credit cards that he had written off were actually stolen. Xiao A is very puzzled, why can the credit card after cancellation still be stolen? It’s really embarrassing if this bill is taken by itself. Today, Xiaobian took the example of Xiao A to tell friends about the difference between pre-sales and official sales. Let's take a look at it.