1. You can cancel directly, and the bank should refund the entire balance;

But sometimes the bank may not give you a penny, but if there is a balance in your account, the balance will be Spending up to zero in the form of account management fees six months after cancellation will not affect your creditworthiness.

2. Transfer the balance to the Alipay account, completely settle the account with the credit card, and then go to the bank to cancel without any fees.