Credit card cancellation conditions:

1. Is the debt paid off?

When canceling the credit card, check whether the debt has been paid off. It is generally necessary to check whether there is any debt on the credit card before cancellation, but in some cases, if you can't see the bill, people will mistakenly think that the debt has been paid off.

2. Is the fee paid in full?

Whether other expenses have been paid, before canceling the credit card, first confirm the annual fee reduction and then confirm the management fee, such as SMS notification fee. Some banks do not deduct in advance, but at last. In the meantime, it will not be reflected in the credit card bill.

3. Are you sure after cancellation?

45 days after the cancellation of the credit card, check with the bank again whether the cancellation was successful. The average bank's credit card cancellation cycle is about 45 days.

During this period, even if the credit card is cancelled, the information on the magnetic stripe of the card still exists. If criminals make use of investment and finance, and then submit an application for a new credit card to the bank, they will be in danger of being stolen.

Therefore, it is best to call the customer service phone of the bank credit card 45 days after cancellation to confirm whether the cancellation is successful or not, so as to avoid unnecessary trouble due to special reasons.