Credit cards can be cancelled elsewhere. If the card is not overdrawn, you can apply for cancellation at any time. If the card has not expired, you need to apply first and cancel the account in the bank after a certain number of days; If the validity period of the card has expired and the account balance is zero, you can cancel the account directly at the designated bank outlet. When canceling the account, you should bring your valid ID card and the original ID card. If it is not convenient for you to check out, someone else can do it for you. The agent shall hold the power of attorney of the principal (himself) and carry the original valid identity certificate to handle the account cancellation business.

The account can be closed by phone, so it can be closed anywhere, regardless of the local location. You can call the 24-hour customer service hotline of Bank of Communications to apply for cancellation. In order to ensure the security of the account, you must carry your card with you when you cancel the phone. If you lose your card, you can only cancel it at the outlet counter. If there is a new account payable within 45 days (inclusive) after cancellation, it will still be borne by you. After 45 days of card withdrawal, if the account has no arrears or excess deposits, the system will automatically close the account without any formalities. Before closing the account, please make sure that your credit card has no arrears, otherwise you can't cancel the card. After the credit card is cancelled, please destroy the magnetic stripe or apply for cancellation to avoid information leakage.

For customers, if they plan to return the card, it is best to advance the card release time and card return time, and reserve the card return time before the next annual fee to avoid paying the annual fee for one year. In addition, canceling a card is not the same as canceling an account. Some banks will still keep customer information after canceling their cards, and all customer information will be deleted. Therefore, it is recommended that cardholders cancel their accounts at the same time as they cancel their cards; This will not only protect the security of personal information, but also enjoy the preferential treatment of new customers when handling bank credit cards in the future.

Cancellation of bank credit card does not mean cancellation of account, and account information is still kept for 5 years. According to the Administrative Measures for the Preservation of Customer Identity Data and Transaction Records of Financial Institutions, bank account information should be preserved for at least 5 years from the fiscal year in which the transaction occurred. So after the credit card is cancelled, the account still exists. If necessary, customers can also check the transaction records of credit cards.

At present, the longest interest-free period of credit cards will exceed 50 days, and there is also a time difference between the repayment date and the repayment date. When citizens cancel their credit cards, they may also fail to record them in time after spending their credit cards; Therefore, some customers still owe money on their credit cards, and long-term accumulation will produce "invisible" interest.