If you want to cancel, there are several conditions:

1. Whether it is necessary to pay an annual fee for the cancellation of a credit card is related to the number of personal swipes. Most credit cards are exempt from the annual fee in the first year after application, and the number of swipes in the first year is exempt from the annual fee in the following year.

2. In addition, there are cards that can be swiped or deducted for annual fees. As long as the repayment is made on time, there will be no interest and no fees. If users need to cancel their credit cards, they'd better call for advice, so that they can get an accurate answer.

3. The annual fee of personal credit card will be charged in the current year, which generally requires users to reach a certain credit card limit or redeem through points. Cardholders need to understand that credit cards cannot be used after they are submitted for cancellation. If you continue to use it, the cancellation of the credit card will fail.

If you don't intend to continue using your credit card, you must cancel your account. If the account is not closed, the bank will charge an annual fee for the credit card.

If the card is not overdrawn, you can apply for account cancellation at any time.

If the card has not expired, you need to apply first, and then go to the bank to cancel the account after a certain period of time; If the card has expired and the account balance is zero, you can directly cancel the account at the designated bank outlet. When closing the account, you should bring your valid ID card and the original card. If it's not convenient for me to close the account, someone else can help you. The agent must hold the power of attorney written by the principal (himself) and bring the original valid identity certificate to handle the account cancellation business.

If your card has not expired when you cancel your credit card account, some banks stipulate that you need to go to the designated outlets to receive the card, and then go through the formal account cancellation procedures after a certain period of time (up to 30 days). This is mainly because if the cardholder has done a manual card pressing transaction before closing the account, the cardholder will have closed the account before the merchant submits the card pressing form to the bank for entry, and the bank will not be able to liquidate normally; On the other hand, if the cardholder is in consumption abroad or withdraws cash, it may take several days to settle the account. If the account is closed immediately, it will also affect the normal liquidation of the bank.