When a credit card reaches its expiration date and you decide not to use it anymore, you really need to cancel it to ensure the security of your personal information. Here are two common ways to cancel a credit card:

First, you can cancel via phone banking. After ensuring that the credit card account status allows cancellation, call the bank's customer service hotline, enter your card number and personal information according to the voice prompts, and follow the instructions. This method is simple and fast, and there is no need to wait in line at the bank in person.

Secondly, if you prefer face-to-face service, you can choose to log out at the bank counter in person. Bring valid identification, such as an ID card and credit card, to the bank and make an appointment for a service window. Inform the teller of your cancellation needs in front of the teller, hand the credit card to the staff, and fill out the relevant application form. Once you complete these steps, your credit card account will be officially closed.

Whether it is logging out by phone or at the counter, remember to ensure the security of all personal information during the process to avoid possible risks of information leakage. Canceling expired credit cards promptly is an important step to protect personal privacy and financial security.