The consultant of Easy Loan Network replied: Some cardholders like to pay more money to their credit cards after spending them, which can avoid the bad credit record caused by less repayment. But if you want to cancel your credit card, you'd better repay it according to the amount shown on the credit card bill to avoid unnecessary trouble. Because many banks stipulate that if there is a balance on a customer's credit card, it cannot be directly cancelled. Take Huaxia Bank as an example. According to the bank's regulations, if a customer has a balance in his/her credit card, he/she needs to call the bank 30 days after applying for cancellation of the credit card, indicating that he/she agrees to give up using the balance in the credit card, in order to successfully cancel the credit card. Editor: Yang Xiaoxue