1. The cancellation of the credit card can only be voluntarily cancelled by the cardholder. When canceling, the cardholder can call the credit card customer service phone on the back of the credit card and transfer it to the manual customer service department to request the cancellation of the credit card. The bank usually cancels the card within 45 days after receiving the application.

2. Different banks have different automatic account cancellation settings for different types of credit cards. Generally speaking, ordinary credit cards will "probably" automatically cancel after one year, but gold cards, platinum cards and above will not automatically cancel, but will only temporarily enter a "dormant" state.

""

1) The "inactive" credit card application record will be used for credit investigation. As long as the credit card application is approved successfully, even if the credit card is not opened, the personal credit information will show the approval time and specific amount, and the words "Credit card not activated" will be displayed. If you log off later, it will show that the card has been logged off. Although it is not a bad credit record, if there are too many "idle" records, it may affect the success rate and quota of credit applications in the future, because the financial institutions that review your credit information will think that you have not applied for a loan.

2) In most cases, when the credit card is "idle", except for the platinum card, no annual fee will be charged. In the credit card rating system, Platinum Card is a kind of advanced card, which will provide cardholders with many value-added services such as airport pick-up, hotel reservation, million aviation accident insurance and so on. Special safe passage and other VIP treatment. When providing these services, banks have to bear a lot of expenses. Therefore, banks often stipulate that even if the platinum card holder is not activated, an annual fee will be charged. In addition, even for ordinary cards or gold cards, it is best to consult the bank before opening the card to see if there will be additional fees if it is not activated in time.

3) There is no service charge for canceling the credit card. Cardholders can go to the counter of outlets through the account cancellation channel, submit applications through online banking, or call the customer service department of the bank. After receiving the application, the bank will immediately check whether there is any debt in the credit card account that needs to be cancelled. If it is confirmed that there is no debt at present, you can cancel the card. The cancelled card can no longer be used for consumer payment. It is suggested that the cardholder cut off a corner of the cancelled card and discard it.