I have applied for some credit cards from local banks but I didn't use them . Do I need to send it back to them ? Or will they charge me for them ??
2007-03-26 19:03:05 · 9 answers · asked by Linda 2 in Travel ➔ Asia Pacific ➔ Malaysia
i have canceled a credit card before simply because at that time i didn't use it even once but the bank keep sending monthly bills asking me to pay-up the annual fees and some don't know what charges.
so i just go to one of their branch, surrender my credit card telling them i wanted to cancel it, the officer in charged cuts that card into two pieces in front of me as an evident that it was being destroyed, i don't have to pay anything too !
They never send me any bill ever since !
hence i don't think mere phone call would be able to solve your problem ! Good luck !
2007-03-26 23:45:36 · answer #1 · answered by ng 5 · 0⤊ 0⤋
You don't have to write a letter to cancel the cards. All you have to do is call the phone number on the back of the card or on the bill and tell them that you want to cancel. Don't let them charge you any fees.
2007-03-27 02:13:41 · answer #2 · answered by David G 2 · 0⤊ 0⤋
if the bill from the bank ask you to pay for the annual fee, just write a letter to them to cancel the card and they would not charge you for that.
2007-03-27 02:12:02 · answer #3 · answered by anderson 6 · 0⤊ 0⤋
If your Credit card need to pay Annual subscription then u better cancel it since u don't use it. If it is a free annual subscription card, then just put it with u, who knows u may need it one day.
N remember different bank got different policies, u mus check Ur terms and condition. cos some card u need to use up to certain amount then only Ur Annual subscription is waive.
2007-03-27 02:18:07 · answer #4 · answered by chenkoh 1 · 0⤊ 0⤋
some banks charge annual fee and some other fees. if you do not plan on using cancel some the cards and keep one or two that does not charge annual fee.
2007-03-27 13:29:38 · answer #5 · answered by lemonade 2 · 0⤊ 0⤋
HAVE TO GO TO THE BANK YOU GOT THE CARD FROM and say you want to close the account. Otherwise, yes you'll be charged an annual fee.
2007-03-27 02:16:33 · answer #6 · answered by Val® 3 · 0⤊ 1⤋
applying credit card is esp easy, but not terminating it. mere phone calls wont do. they will 100% ask u to fill up a form, drive all the way to that particular bank, take a number, then question u again why u wanna terminate. good luck.
2007-03-27 02:57:19 · answer #7 · answered by Anonymous · 0⤊ 0⤋
they will charge you annual fee.....so better return it..
2007-03-27 04:52:13 · answer #8 · answered by chain y 3 · 0⤊ 0⤋
give it to me.... :)
2007-03-27 04:30:43 · answer #9 · answered by ladyniey 1 · 0⤊ 0⤋