Everbright Platinum Credit Card does not need to be cancelled if it is not activated, and the cardholder can cancel it if he wants. If the cardholder chooses not to cancel the Everbright Platinum Credit Card, it is necessary to cut the Everbright Platinum Credit Card and completely destroy it. Under normal circumstances, there will be no annual fee if the credit card is not activated, so whether to cancel the inactive credit is subject to personal wishes.

Cardholders no longer use credit cards, and it is best to take the initiative to use credit cards in card-issuing marketing households. When the cardholder cancels the account, if there is a balance in the account, which belongs to the company card, it is necessary to transfer the balance in the account to its basic deposit account, and cash cannot be withdrawn.

After the cardholder overdraws, he must pay off the overdraft principal and interest before closing the account under the following circumstances:

1. After the credit card expired for 45 days, the cardholder did not replace it with a new card.

2. If there is no supplementary card, the credit card will not be reissued after 45 days of loss reporting.

3. The credit card is included in the stop payment list, and the issuing bank has cancelled its credit card for 45 days.

4. The cardholder dies, and the issuing bank has recovered his credit card for 45 days.

5. The cardholder asked the account cancellation or guarantor to cancel the guarantee, and all the credit cards have been returned for 45 days.

6. The credit card account has not been traded for more than two years.

7. If the cardholder violates other regulations, the issuing bank thinks that the cardholder's qualification should be cancelled. Card issuers will take back their credit cards when they issue them. If a valid credit card cannot be retrieved, payment will be stopped.