The bank can issue a credit card to its client both at his request and on its own initiative, within the framework of any program. For example, if a person once used the services of a banking organization and took a small loan, he has every chance of receiving a credit card as a gift, which he may not need.
It is necessary
- - application to the bank;
- - passport;
- - bank card.
Instructions
Step 1
If you received a credit card by mail without your consent from any bank, which you absolutely do not need, and you are not going to use it, just break it and throw it away. As a rule, such cards require activation via the Internet or by calling the bank, so an unactivated card is completely safe and cannot bring you any problems.
Step 2
If you used a credit card, successfully repaid the debt and subsequently do not intend to borrow money from this bank, you need to contact this institution with a written statement containing a request to terminate the service agreement.
Step 3
Make a statement in duplicate, in order to avoid various misunderstandings. Be sure to assure it yourself and make sure that it is signed by the employees of the banking structure. A certificate of closing a credit account with all seals and signatures must be handed over to you, and the card itself must be destroyed in your presence (cut in half).
Step 4
When the expiration date of the card is approaching, take care of canceling it in advance. Write a corresponding application to the bank no later than a month before the expiration of its term. Otherwise, the banking institution will automatically issue a new card for you, and if you refuse it, you will be obliged to pay a forfeit or fine. In addition, if you have not had time to repay the loan by the time the card expires, be prepared for the fact that you still have to pay off all your debts before you refuse the card.
Step 5
Keep in mind that if you ordered a credit card and then change your mind, it is also easy to refuse it. Visit the bank and write the corresponding application. If you wrote an application for the issue of a plastic card, and not for a loan, it will be much easier to do this. If you asked for a loan and then changed your mind, write down your unwillingness to receive it in writing.
