Tinkoff Bank is a credit and financial company that has chosen a way of customer service that is atypical for our country. The organization has no branches in major cities of Russia, only a central office in Moscow. All questions that arise from users are engaged in a huge call center. How to refuse a Tinkoff card? This article is dedicated to solving this problem.
Possible reasons
For starters, it's worth figuring out when such a need arises. The question of how to refuse a Tinkoff card may arise from customers for various reasons.
The most common arguments in favor of such a decision are discussed below:
- The need for a card with a limit has disappeared. Many customers refuse the services of Tinkoff Bank due to the fact that they no longer experience the need for borrowed funds.
- Dissatisfaction with the services of the bank. Borrowers may not be satisfied with the percentage for the use of money, the lack of branches of the organization in large cities and so on. In the process of using the card, minuses that customers are not initially aware of can be detected.
- The desire to take a loan at another bank. If the borrower plans to arrange, for example, a mortgage, then closing loans and abandoning cards with limits may become a necessity. This allows you to increase the chances of approval.
- Another bank offers more favorable conditions. Credit and financial organizations exist in the conditions of fierce competition, and consumers strive to get all the best.
- Other reasons. Loss or theft of a card, moving to another country and so on.
How to refuse a Tinkoff car that has not yet been delivered
Suppose that a financial institution approved a client’s application for plastic, a meeting with a representative is scheduled for a certain date. But the consumer suddenly no longer needs a card with a limit, or he found a more profitable option. What should be done in this situation?
How to refuse a Tinkoff card if it has not been delivered yet? To do this, it is enough for the client to contact the representative of the organization on the hot line and inform the operator of his desire to cancel the appointment with the company employee. A hotline telephone is available around the clock. The operator will accept an oral statement, after which the released plastic will be blocked.
Similarly, a consumer can act if the card is delivered but not activated. Rejecting it takes a matter of minutes.
How to close a debit card
A simple way is not available to customers who already use the services of the organization. How to refuse a Tinkoff debit card?
The duration of the procedure is 30 days. First, the user must notify the organization of his intention to refuse its services. The easiest way to do this is by calling the hotline. After notification, the client must withdraw all funds from the account. After 30 days, you must again contact the operator of the company and confirm your intention to close the debit card.
How to close a credit card
The client may no longer need a credit card. What is the algorithm of actions in such a situation? A personal account can also be closed in 30 days. In fact, the procedure consists of several steps that must be completed:
- Completely need to get rid of debt on the card (in the case of credit cards). Or withdraw funds (if you use debit).
- Contact the operator by calling the call center with a request to terminate the contract. You can use the capabilities of the official website of the organization.Be prepared to provide personal information.
- Disable all paid add. services.
- Wait 30 calendar days.
After that, the card is blocked. Please note that the bank account will still remain. If you need to get rid of him, then notify the operator. Otherwise, you will have to pay for its service every month.
Debt elimination
How to refuse a Tinkoff Bank credit card? First, the client must cancel all debts. Otherwise, he will not receive permission from the company to close the account. The borrower must deposit the amount equal to the current minus on the card. You can get information about the amount of debt in your account or on the hotline.
The user may not realize that he has formed a debt. This can happen for various reasons:
- Credit interest is accrued.
- Plastic service charges apply.
- SMS alert service is activated.
- Customer agreed to insurance.
After repayment of the debt, it is necessary to refuse the connected paid services. This can also be done using the operator or in your account. Otherwise, by the time the account is closed, a minus is formed for writing off the service.
Application
How to refuse a Tinkoff credit card without debt? The client must apply for closing the account. The easiest way is to dial the contact center number and notify the operator of your desire. According to the regulations, the user's application is considered within 30 days. Then the card account is closed.
For 30 days after applying, the client can continue to use plastic. He also has the right to cancel the application for closure if his decision has changed. For this, it is also enough to contact the call center and inform the operator about your desire.
How to refuse a Tinkoff card without calling the operator? The client can send a letter to the legal address of the company. The application should indicate the card and account number, as well as full name, passport data. The reason for closing the card is indicated at will, you can do without it.
Final stage
According to the regulations, the bank must close the credit card no later than 31 days after receiving the user's application. The borrower should not let this situation drift. After the expiration of the specified period, you need to make sure that the account is closed and the card is inactive. You can see the status of the plastic in your account or call the hotline.
The due date has expired, but the card is still active? It is certainly worth discussing this situation with the bank operator.
What to do with plastic
It’s interesting not only how to refuse a Tinkoff card. Many users have another problem: what to do with a piece of plastic? According to the regulations, the card, which the client refuses, must be returned for recycling. However, the solution to this problem in this case is hampered by the lack of branches of the organization in Russian cities.
If desired, the client can send unnecessary plastic to the address of the head office. Fortunately, this action is not mandatory. The user has the right to dispose of the card on their own, this will not have any negative consequences. It is easy to destroy plastic, for this it is enough to simply cut it into two parts. Doing this is advisable only after you receive confirmation of account closure.
Do I need documents
So, every client can refuse a Tinkoff Bank card if desired. It is only necessary to take all necessary actions and wait for the due date. What happens after that? Tinkoff cards are closed remotely. After closing, a letter containing a copy of a document confirming the termination of the contract should come to the user's mail. It is advisable to keep this notice.
For his own peace of mind, the client may also require an extract, which reflects all expenditure and income transactions, as well as the final balance. Such a step guarantees confidence in the absence of debt. Sometimes this helps to avoid the accrual of additional fines, commissions and penalties, to maintain a positive credit history.
Internet blocking
Phone calls are not the only way to solve the problem facing the client. How to refuse a Tinkoff card online? Terminating an agreement with an organization through a remote access service is easy. The user needs to go to the bank’s website and then go to his personal account tied to the mobile phone number. If the client has forgotten the password, it can always be restored.
The required option is in the "Actions" section. The client should select “Card Lock”. The user will need to indicate the reason for the block. Also in your account contains a warning that it will be impossible to unlock the card.
After that, immediately turn off all additional paid services. This will avoid unnecessary waste. You can also solve this problem in your account. After the credit limit is blocked, it is advisable to apply for closing the account in order to terminate the contract.
findings
Can I refuse the Tinkoff card? Yes, it is possible, but the client will have to wait 30 days to terminate the contract. The company does not have the option to unlock the card. The user will only have access to re-release, which is free of charge.
It should also be taken into account that in the future Tinkoff Bank reserves the right to refuse to provide services to a client. First of all, this is true if the user refuses a card that has not even been activated. But each client has the right to try to re-release plastic if he again has a need for it.
Reviews
What do the former Tinkoff Bank customers who have already gone through the process of refusing a credit card or debit card say? What impressions do they have? People complain primarily about the duration of the procedure. Also, negative feedback causes the need to pay for the bank's services for the month during which the application for blocking plastic is considered under the rules.
There are not only negative, but also positive reviews. Many bank customers note the simplicity of rejecting a Tinkoff card by calling the operator.