You can only return the card, because the credit card cannot be used after it expires, and there will be an annual fee. It is better to return the card directly.

You can cancel your credit card in the following ways:

1, the calling card is cancelled. Call the credit card customer service number to the manual service, and directly apply to the manual customer service for cancellation of the credit card.

2, outlets to sell cards, some banks also need to bring my ID card and credit card to the bank to sell cards, you need to fill out the application for account cancellation, and I will call you to confirm in a few days.

Cancellation at the bank counter is the same as cancellation at the outlet. You need to bring necessary documents, such as ID card and credit card. If the credit card is in arrears, it needs to be paid off before cancellation.