If there is no bad record in the credit information system due to overdue credit card before, you can cancel the account after paying off the arrears. Credit card repayment information will be recorded by the central bank's credit information system for 24 months, and bad credit records generated by overdue credit card repayment will be kept in the credit information system for two years. If you terminate with a card, the corresponding record will not scroll, but will be saved for a long time. After the overdue repayment of the credit card, it is best not to cancel the credit card immediately after paying off the arrears, but insist on using the card for more than two years, during which the credit will be maintained, and the bad records will be cleared from the credit information system by rolling records.

Credit card cancellation:

If the credit card has not expired, you need to apply first, and then go to the bank to cancel the account after a certain period of time; If the credit card has expired and the account balance is zero, you can cancel the account directly at the designated bank outlet. Bring valid ID and original credit card when closing the account. If it's not convenient for me to close my account, someone else can do it for me. The agent must hold the power of attorney written by the principal (himself) and bring the original valid identity certificate to handle the account cancellation business.