After handling the credit card, there is a period called "cooling-off period". This period is generally 30 days, that is to say, during this period, you can cancel the card application and the bank will destroy your card application materials. However, if your card processing time has exceeded the "cooling-off period", then you need to pay a certain fee to cancel the credit card contract. Different banks charge different fees, some banks are free, and some banks will charge a certain fee.

Therefore, if your Ping An Youth Platinum Card has been processed for more than 30 days, you need to pay a certain handling fee to terminate the credit card contract. For specific procedures, you can contact Ping An Bank customer service or go to the bank counter for consultation.

It should be noted that card withdrawal may affect your credit rating. It is recommended to seriously consider your repayment ability and use demand before applying for a card. If you really need to return the card, you can know the procedures and related processes in advance to avoid unnecessary trouble.