Just cancel at the counter and withdraw the balance at the same time. \x0d\ First, credit card holders can waive the handling fee by transferring money. Different banks have different regulations, and cardholders can decide according to their own situation. Individual banks can return their cards, and customers can settle accounts with their ID cards without charge. \x0d\ Secondly, if you plan to return your card, you'd better set aside time to return it before the annual fee is charged next year to avoid paying another annual fee. \x0d\ Thirdly, card cancellation is not the same as account cancellation. Some banks will still keep customer information after returning their cards, while account cancellation will delete all customer information. Therefore, it is suggested that cardholders cancel their cards at the same time, which not only protects the safety of personal information, but also enjoys the preferential treatment of new customers when they apply for new credit cards in this bank in the future.