① Credit card cancellation needs to be handled by customer service;

② The arrears in the card should be paid off;

③ It is best not to overpay;

④ there is a 45-day risk period after cancellation.

the 45-day risk period for credit card cancellation means that the card can not be officially cancelled until 45 days after the application for card cancellation is made.

the p>45-day risk period is mainly due to the fact that most credit cards are not recorded in real time;

especially for foreign countries, online, offline card pressing and other consumption often takes a long time to be accounted for, so it will take a while just after applying for cancellation of the card;

the card can't be used during this period, but it hasn't really been cancelled;

If there is a consumer bank that has not entered the account before applying for cancellation, it can also charge the cardholder the corresponding expenses during this period;

after the p>45-day risk period, the bank can't charge the cardholder any fees.