Yes, but you must pay the arrears before canceling. If you don't want to pay the annual fee, you can call the customer service hotline to apply for a waiver. If you can't avoid it, you still have to pay it. You can cancel the credit card through the customer service hotline after there is no debt on the card.

Extended data:

How to cancel a credit card

Many people want to cancel their credit cards because of the disadvantages they bring to users.

1. Cancel the bank card at the counter through the bank outlets.

All major banks have credit card cancellation windows and bring their own relevant documents, such as ID cards and credit cards. If the credit card is in arrears, bring cash and pay off the debt.

2. Cancel the credit card through official online banking.

All major banks in China have online banking. You can upload your ID card, credit card and other information, fill in the application for account cancellation, and submit the application until the bank calls you for confirmation.

3. Cancel the credit card through the official customer service phone number of the credit card.

Call the official service number of the credit card, transfer to manual service, and ask the manual customer service to apply for cancellation of the credit card. Before calling, you should pay attention to the fact that the credit card is not in arrears and has a balance, otherwise you can't close the account.

4. Cancel the credit card through the official bank WeChat official account or the official credit card WeChat official account.

At present, all major banks in China have official WeChat official accounts. As long as the card is bound and it is found that the credit card has been cancelled, you can cancel the credit card in the official account of WeChat.

5. Cancel the credit card through the official bank APP.

At present, major banks, including credit card service centers, may have their own official apps, which can directly cancel credit cards.

Problems brought by credit cards

1, capable consumers, who are not used to using credit cards, often basically do not exceed the credit card consumption limit.

2. Inefficient consumers prefer to use credit cards, but their solvency is poor and the probability of default is high.

With credit cards, many people spend more than without them.

4. The high handling fee for using credit cards may have a negative impact on credit reporting.