關於取消銀行信用卡...

一般都唔駛收手續費，但客服人員都會「落足嘴頭」要你keep card，請你堅持呀!!
最快係打電話上card centre，親身去分行都得，記得帶身分證。

咁咪即係要我放張卡係屋企一年
咁我唔用就可以了
一年後cut左佢
但聽朋友講呢間銀行好麻煩
呢間銀行好衰的
要cut佢唔係話咁易...
係咪...?

東亞未夠一年係會收手續費

你一間銀行得就得,唔得就唔得
所以同一間銀行唔駛申請咁多麻...

2013-03-07 00:52:01 補充：
我都係就咁放左係到冇理佢
等夠一年就CUT左佢
你係客，話cut就cut架啦
冇話易唔易既

若你只是擔心因需要付年費，才cut卡，那就不必擔心，信用卡通常會免年費二年或三年的，之後若發現信用卡有顯示收取年費，很簡單打個電話，要求免年費，百分之九十是可以的，若踫上不可以免年費，此時可提出取消信用卡，但你的欠款也需找清。 新卡你可以不啟動，但不宜即時取消，有些銀行是不接受即時取消的。

Majority of credit cards in Hong Kong will usually provide at least 1 year of annual fee waiver.

So as soon as you don't need to pay anything now, don't close the account, even you don't use it.

Banks, in practice, will waive annual fee based on different scenarios, such as your payment history, usage, etc. So you should not worry annual fee until it is needed to be paid.

In answering your questions:

1. Yes - some banks impose early cancellation fee. But in most of the case, the fee will not be imposed if no promotional offer has been used (like gifts or points).

2. Simply call them and cancel.

你可以打電話聯絡返銀行或直接到分店取消
正常系唔會收任何費用