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Is there any charge for canceling a credit card?

Currently, there are fees for reporting the loss of credit cards and replacing them. When many friends apply for a credit card in the early stage, they consider whether there is any charge for canceling the credit card. Let’s find out below. Is there any charge for canceling a credit card? It is free to cancel a credit card. To cancel a credit card, you only need to call the bank's credit card center to apply for cancellation of the card. It should be noted that a credit card can only be canceled if there is no debt or balance. The cardholder must pay off all the debt. If there is money in the card that exceeds the credit limit, it must be withdrawn or spent. Then you have to wait 45 days before the account can be officially closed. In addition, during the period when the credit card is canceled, a fee may be deducted, but it is not a cancellation fee, but most likely an annual fee. Because the credit card can be officially canceled after 46 days, if it is the annual fee settlement period and the conditions for annual fee exemption are not met, the annual fee will be directly deducted from the credit card limit and then included in the latest credit card bill. If you want to successfully cancel your credit card, you must pay off the balance on time.