Credit cards cannot be canceled at any time. You need to contact the card issuing bank to apply for cancellation, and the cancellation cannot be canceled within the 45-day risk period. To cancel a credit card, you need to pay off all the arrears, then withdraw all the excess payments from the credit card, and contact the card issuer to apply for cancellation. After waiting for the 45-day risk period, if no new bills or other charges are incurred during the period, then You can confirm that the credit card has been canceled successfully.