Precautions:

1. If the credit card is lost, you need to reissue a credit card first, and then cancel the account, and the card fee is required to reissue the card.

2. Credit card cancellation must take out the balance on the card to ensure that there is no debt on the card.

4. When canceling a credit card, there is usually a "liquidation period" of about 45 days to ensure that the card can be cancelled without any delayed transaction.

5. Refusing the card does not mean canceling the account. All debts must be paid off before closing the account. It usually takes 45 days to take effect after applying for account cancellation. After the account is cancelled, the points will be cleared.

Extended data:

There is no charge for closing the account, but if the bank card is lost, it must be reported and reissued first. The loss of debit cards is mostly 10 yuan, ranging from 20 yuan to 5 yuan-15 yuan. In addition, the card can be reissued or cancelled after seven days of loss reporting.

As mentioned above, you can withdraw all the money from the unused bank card. After two years, the bank will automatically cancel your dormant account. However, the bank card that has opened online banking must be cancelled at the bank first, because a bank can only open one online banking account. If you just sell your bank card and online banking has not disappeared, then you can't open online banking in this bank again.

In addition, the cancellation of credit cards is handled by the bank's special credit card center. Credit card cancellation must first pay off the arrears, and then call credit card customer service to cancel the account.

Credit card cancellation and account cancellation are not the same concept. If you just cancel your card, your account is still there, and this credit card will still be in your name in your credit report. Cancelling your account can completely make this account disappear forever.

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