Credit card cancellation can be done on mobile phones, mainly by calling the bank’s customer service number. There is a 24-hour customer service hotline marked on the back of most credit cards. Contact customer service by phone and explain the cancellation requirements. They will help process it, but it usually takes a few working days to complete the cancellation.

If you want to apply at the counter, you can choose to go to any card-issuing bank, such as Bank of Communications. As long as the credit card has no outstanding balance and is operated by myself, cancellation can be carried out. However, please note that for unactivated credit cards, even if you do not plan to use them, you still need to apply for card cancellation through the customer service phone number within the period when no annual fee is charged (it is generally recommended to cancel within 1 month or 12 months after the card is issued). This service is not usually provided.

For credit cards that have been used, all outstanding balances must be paid off first. After the bank confirms the account cancellation, the credit card will enter a freezing period, which usually ranges from 45 days to 6 months. If there is no new debt during the freezing period, the card will be officially canceled after the freezing period ends. After canceling the card, it is recommended to cut the magnetic strip yourself to ensure information security. If there is a balance on the credit card, it needs to be consumed after repayment, otherwise you cannot apply for card cancellation.

In general, canceling a credit card on a mobile phone mainly relies on the customer service phone number, and the operation needs to be based on the card status and personal needs. Make sure your credit card is in good condition and eligible for cancellation to complete the cancellation process smoothly.