You can't cancel your credit card until it is paid, but you can cancel it after it is paid.

The premise of canceling a credit card is that all the debts of the card have been settled. As long as there is a debt, the bank will not cancel it. Therefore, you can choose to negotiate repayment, or you can choose to borrow money to pay back the credit card. In any case, you must repay the arrears, otherwise the bank may sue the user if the overdue time exceeds 3 months.

Even if the bank does not sue the user, as long as the arrears are not settled, the overdue record of the credit card will remain in the credit investigation, thus causing the credit investigation stain.