1. First, determine whether the credit card has arrears and balance. If you have arrears, you need to pay them off in one lump sum. But if the credit card is frozen, you can't insert the card to repay, you can only transfer the money to the credit card number. If there is overpayment, please ask the bank staff to help transfer the money, settle the arrears and balance, and then call customer service to apply for account cancellation.

2. There are two kinds of credit card cancellation: card cancellation and account cancellation. If you have other credit cards in the same bank, you can only return them, and no fees will be incurred after successful card return.