Today I cancelled a credit card

credit card

@youless (112481)

Guangzhou, China

April 11, 2016 3:11am CST

In fact I mainly use two credit cards. I have an extra just because at that time there was a promotion for it and therefore I applied for it. I seldom will use that extra credit card. Since I have to use it six times so that it will not charge me any fees. So today I plan to take it out and use it. However, I can't find it and it is quite strange. I am sure it should be in somewhere at home, but it means nothing if I can't find it. Since that, I decided to cancel my credit card. I think this reason is quite weird.

10 people like this

14 responses

@LdeL0318 (6400)

• Philippines

11 Apr 16

Good thing you've already cancelled it. If it's lost somewhere outside then some people might be able to use it.

2 people like this

@youless (112481)

• Guangzhou, China

11 Apr 16

If so, my mobile phone will receive a SMS once there is a deal.

1 person likes this

@LdeL0318 (6400)

• Philippines

11 Apr 16

@youless Well that's good, I also have that feature wherein a text message will be sent to me every time I use my card so that I will be aware of unwanted use or fraud.

1 person likes this

@youless (112481)

• Guangzhou, China

11 Apr 16

@LdeL0318 And this service is free of charge for me.

1 person likes this

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@TiarasOceanView (70022)

• United States

11 Apr 16

You cant find it? Oh no. Yes I would also cancel it.

1 person likes this

@youless (112481)

• Guangzhou, China

11 Apr 16

Now I don't need to find it since this credit card is already cancelled

1 person likes this

@youless (112481)

• Guangzhou, China

11 Apr 16

@TiarasOceanView Here I think it will not have an effect on the available credit. In fact my credit is very high and I even told the bank not to give me so high credit because it was enough for me. If they give me too high credit, it will be a problem if someone uses my credit card.

1 person likes this

@TiarasOceanView (70022)

• United States

11 Apr 16

@youless I wonder where it went youless? It is strange my friend.. Here if you cancel a credit card even if not lost, it reduces your available credit, thus reducing your total credit score.

1 person likes this

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@dodo19 (47317)

• Beaconsfield, Quebec

11 Apr 16

Cancelling may not be a bad idea. Hopefully it all goes well and you don't have to worry about it.

1 person likes this

@youless (112481)

• Guangzhou, China

11 Apr 16

I am not worried about it. Perhaps sooner or later it will show suddenly at home

1 person likes this

@dodo19 (47317)

• Beaconsfield, Quebec

11 Apr 16

@youless that's usually the way it happens, isn't it?

1 person likes this

@youless (112481)

• Guangzhou, China

11 Apr 16

@dodo19 Yes, this is why I decide not to find it. I am waiting for it to show up by itself

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@annierose (21583)

• Philippines

11 Apr 16

I think, I will do same action if I could not see my credit card. I am not a fan of it but when I decided to travel, I found out that a credit card will be very useful. I am also careful of using it and I also let my credit limit low.

1 person likes this

@youless (112481)

• Guangzhou, China

11 Apr 16

Sure, traveling with the credit card is safer and convenient.

1 person likes this

@annierose (21583)

• Philippines

11 Apr 16

@youless I was given a credit card before but I decided to cut it because I get afraid of those that get into huge debts by those credit card companies. But when I found out, I really need to have at least one credit card, I gave it a try. When I inquired the teller about credit card application, I also opened to her my concern about those negative news of owning one. She gave me clear instructions on how can I be always safe with my credit card.

1 person likes this

@youless (112481)

• Guangzhou, China

11 Apr 16

@annierose In fact today it is easy and common to use the credit card. It is even safer than the debit card in my opinion.

@scheng1 (24649)

• Singapore

11 Apr 16

I find that it is extremely hard to cancel a credit card. The bank officer will keep on asking why, and they refuse to cancel it after they promise to do it. It is so annoying that I do not want to sign up for new card anymore.;

1 person likes this

@youless (112481)

• Guangzhou, China

11 Apr 16

Here applying for a credit card is easy and cancelling it is not difficult, too. But I just feel strange that the staff didn't ask me more information to indentify I am the credit card holder. And she didn't even ask me why

1 person likes this

@youless (112481)

• Guangzhou, China

11 Apr 16

@scheng1 They are supposed to verify my identification like you said. But perhaps I have another credit card from their bank, so I think it is reasonable to cancel the extra one.

1 person likes this

@scheng1 (24649)

• Singapore

11 Apr 16

@youless If you have not changed the phone number, they probably assume that the holder of the phone is the holder of the credit card. Over here, they will verify the date of birth, address and IC number even if they can see my phone number displayed in their system.

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@Morleyhunt (21744)

• Canada

17 Apr 16

Not being able to locate my credit card would worry me. Yes, I would cancel the card immediately.

1 person likes this

@youless (112481)

• Guangzhou, China

17 Apr 16

I am not very worried as I am sure it should at home but I just can't find it.

1 person likes this

@hoong143 (1397)

• Malaysia

15 Apr 16

I have two credit cards too. But, I use both of it every month. In my country, the government has a service charge for every cards. Hence, if we have many cards, we will be charged a lot. Maybe it is because some people own too many cards and do not know to manage it.

1 person likes this

@youless (112481)

• Guangzhou, China

15 Apr 16

Here most credit cards will not charge you so much. Especially if you can use it for several times a year, then it can be free of charge.

@Sreekala (34312)

• India

11 Apr 16

Since it is untraceable you did a good thing by cancelling it. You prevented the misuse of the credit card by any one.

1 person likes this

@youless (112481)

• Guangzhou, China

11 Apr 16

If later I find it at home, perhaps I will feel regretful to cancel it so early? Anyway, it is easy to apply for a new one.

1 person likes this

@maezee (41988)

• United States

15 Apr 16

Oh no. That is scary. Have you double checked to make sure no fraudulent charges are on it? Hopefully not. Better safe than sorry. I have done this before and found it around the house later. But you just never know!

1 person likes this

@youless (112481)

• Guangzhou, China

15 Apr 16

This credit card is not used this year yet. And I check my credit card bills every month and therefore I am sure I just lost it at home.

@sjvg1976 (41281)

• Delhi, India

11 Apr 16

No reason is valid if you don't find your credit card then you must cancel it . I don't use credit cards as I don't like credits

1 person likes this

@youless (112481)

• Guangzhou, China

11 Apr 16

On the contrary, I really like using the credit card.

1 person likes this

@Shavkat (139694)

• Philippines

11 Apr 16

I think you did the right thing. We don't know what had happened. What if somebody using it.

1 person likes this

@youless (112481)

• Guangzhou, China

11 Apr 16

I think it should be at my home. But I just can't find it at the moment.

@marlina (154131)

• Canada

11 Apr 16

I only keep one credit card to use when buying big items. And I pay it right away, so I never pay a cent in interests.

1 person likes this

@youless (112481)

• Guangzhou, China

12 Apr 16

I even pay by credit card even if it is just a small amount.

@LLSummer (586)

• Guizhou, China

17 Apr 16

I think you should cancel that card. To be safely.

1 person likes this

@youless (112481)

• Guangzhou, China

17 Apr 16

I canceled it already but today I found it

1 person likes this

• India

11 Apr 16

you did right thing... better to get rid of it if u r not using it

1 person likes this

@youless (112481)

• Guangzhou, China

11 Apr 16

I just didn't know that it was so easy to cancel a credit card.