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Liquidating a bank account takes more time than opening one.
The simple non-use of the payment card by the holder does not protect him from unplanned spending - if the debit card is not closed, a certain amount is charged for service every month, and unredeemed pennies on the credit card will increase to incredible amounts due to penalties, fines and additional payments (SMS messages , insurance, etc.).
To avoid unnecessary expenses, you must close your bank card and account. General recommendations are indicated in the article.
After that, you must personally contact the bank that issued the card and write an application. You must have a card, passport, TIN code and, preferably, an agreement on the issuance of a payment instrument.
In front of you, the employee cuts the card and you just have to wait for the official notification of the closure. This process can last from a day to several weeks. It is necessary to immediately clarify this information with the operator and if no notification is received, contact the bank's hotline or branch yourself.
Important
Be sure to ask for a written notice with a stamp, which confirms the liquidation of your account, and that the payment instrument has been destroyed! This will help avoid hassle in the future.
As in the case of a credit payment instrument, to close it, you need to visit any branch of your bank (unless otherwise specified in the agreement), write an appropriate application and hand it over to the payment instrument to the bank, since it is the property of the bank, most issuers strongly recommend returning her.
If the account has a balance of funds, you can get it at the bank's cash desk. The payment period depends on the conditions of the bank and ranges from several hours to two working days.
In case of existing debt on account maintenance and additional services, it must be repaid immediately.
In order not to pay payments for servicing a payment instrument for the closing period, you should specify when the account will be closed. The duration of this period is from a week to two months from the date of registration of the application.
Important
Be sure to check the disconnection of related services on the card. To do this, you should fill out another application and receive a copy of it.
After closing the account, you need to check this information and order a document confirming the liquidation of the bank card. This certificate is paid in most banks.
At the bank branch, write and register an official appeal on groundless accrual of debt. Attach a COPY of the certificate to the application and await a response from the bank. Usually, everything ends with a link to an internal error and a write-off of accrued fines.
Each credit institution and bank has its own procedure for closing an account. All the necessary information about servicing your account can be obtained on the bank's hotline (after confirming your identity, prepare your passport and remember the answer to the secret question), from the Online operator on the official website or directly at the branch.
The simple non-use of the payment card by the holder does not protect him from unplanned spending - if the debit card is not closed, a certain amount is charged for service every month, and unredeemed pennies on the credit card will increase to incredible amounts due to penalties, fines and additional payments (SMS messages , insurance, etc.).
To avoid unnecessary expenses, you must close your bank card and account. General recommendations are indicated in the article.
How to close a credit card
First of all, you should make sure that the debt is repaid in full, taking into account all payments. This can be done in three ways:- Using the bank's call center. It is worth having documents with you, since your identity is identified through your passport data and TIN code. The operator can find out the exact amount until full redemption at the close.
- Through Online banking in the user's personal account.
- At a bank branch with an operator serving individuals. In this case, if you immediately repay all payments, you can immediately write an application to close the account.
After that, you must personally contact the bank that issued the card and write an application. You must have a card, passport, TIN code and, preferably, an agreement on the issuance of a payment instrument.
In front of you, the employee cuts the card and you just have to wait for the official notification of the closure. This process can last from a day to several weeks. It is necessary to immediately clarify this information with the operator and if no notification is received, contact the bank's hotline or branch yourself.
Important
Be sure to ask for a written notice with a stamp, which confirms the liquidation of your account, and that the payment instrument has been destroyed! This will help avoid hassle in the future.
How to close a debit card
As in the case of a credit payment instrument, to close it, you need to visit any branch of your bank (unless otherwise specified in the agreement), write an appropriate application and hand it over to the payment instrument to the bank, since it is the property of the bank, most issuers strongly recommend returning her.
If the account has a balance of funds, you can get it at the bank's cash desk. The payment period depends on the conditions of the bank and ranges from several hours to two working days.
In case of existing debt on account maintenance and additional services, it must be repaid immediately.
In order not to pay payments for servicing a payment instrument for the closing period, you should specify when the account will be closed. The duration of this period is from a week to two months from the date of registration of the application.
Important
Be sure to check the disconnection of related services on the card. To do this, you should fill out another application and receive a copy of it.
After closing the account, you need to check this information and order a document confirming the liquidation of the bank card. This certificate is paid in most banks.
Why do I need a certificate of closing an account
There are times when after a while the bank presents you with a debt that was formed for unknown reasons. First of all, you need to calm down and find the very certificate (certified by the seal), which confirms that at the time of closing the card account you had no debt and the bank has no claims against you.At the bank branch, write and register an official appeal on groundless accrual of debt. Attach a COPY of the certificate to the application and await a response from the bank. Usually, everything ends with a link to an internal error and a write-off of accrued fines.
Each credit institution and bank has its own procedure for closing an account. All the necessary information about servicing your account can be obtained on the bank's hotline (after confirming your identity, prepare your passport and remember the answer to the secret question), from the Online operator on the official website or directly at the branch.
