1. Before you cancel your bank credit card, you should pay all the bills. If it is negative, the overflow amount should be cleared by withdrawing cash or swiping the card.
2. The bank credit card is overpaid, and its ownership should belong to the cardholder. However, many banks charge extra fees for the withdrawal of credit card overpayments. For example, the overpayment of CCB's credit card is free in the local area, but it needs to be charged in other places. If there are points in the bank credit card transaction, the card will be invalid after cancellation.
If this credit card has more points, you should exchange gifts before canceling the card. If you have less points, you can return the card directly.
4. When handling credit card cancellation at outlets, you can only apply for cancellation at the credit card center indicated on the back of the telephone contact card.
In short, don't be too flustered when the credit card balance is negative. It's not the money you owe, but the extra money.