The credit card must be cancelled, otherwise an annual fee will be paid. Failure to cancel it in time may be overdue, which will have a negative impact on your personal credit. The following are the ways to cancel the card:

1. It should be noted that the annual fee deduction needs to be paid off when the card is returned.

You can call the manual customer service to see if there is any debt.

It is more important to see if the money spent in these two years is overdue. If the overdue records are not updated, personal credit will be damaged, and it will not be so easy to apply for loans in the future. It will take 24 months after the deadline to cover.

Of course, you can also exchange gifts and close your account. Some banks will give generous gifts when customers apply for cards. In this case, the card cannot be sold casually, and it will take at least half a year.

Last but not least, cut off the card. The easiest and most convenient way is to call the customer service hotline on the back of the card, and someone will help you cancel the card. You don't have to return the credit card to the bank, just "cut it off".