if the user simply cancels the credit card at a certain station, the account will not be automatically cancelled 45 days after the card is cancelled. If the user applies for the cancellation of all the credit cards under his name, the account will be automatically cancelled after 45 days of card cancellation. If you don't intend to continue using the credit card, you must cancel the account. If you don't cancel the account, the bank will charge the annual fee of the credit card. You can apply for account cancellation at any time if the card is not overdrawn.

if the card has not expired, you need to apply first, and then go to the bank to cancel the account after a certain period of time; If the card has passed the validity period and the account balance is zero, you can go directly to the designated bank outlet to cancel the account. When closing the account, you should bring the original valid identity certificate and card. If it is not convenient for me to go through the formalities of closing the account, someone else can do it for you. The agent must hold the power of attorney written by the principal (himself) and bring the original valid identity certificate to handle the account cancellation business.

if your card has not expired when you cancel your account, some banks stipulate that you need to go to the designated outlets to receive the card, and then go through the formal account cancellation procedures after a certain period of time (up to 3 days). This is mainly because if the cardholder has done a manual card pressing transaction before closing the account, the cardholder has already closed the account before the merchant has handed in the card pressing form to the bank for entry, so that the bank cannot liquidate normally; On the other hand, if the cardholder is in consumption abroad or withdraws cash, it may be several days before liquidation. If the account is cancelled immediately, it will also affect the normal liquidation of the bank.

credit cards can easily lead to excessive consumption. This is a common problem for people who are caught in card debt, and swiping the card does not hurt the banknotes, so the consumption of swiping the card is even more unrestrained.

Legal basis

Article 196 of the Criminal Law of the People's Republic of China stipulates that anyone who commits credit card fraud in any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 2, yuan but not more than 2, yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 5, yuan but not more than 5, yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 1 years or life imprisonment, and shall also be fined not less than 5, yuan but not more than 5, yuan, or his property shall be confiscated: < P > (1) using a forged credit card or using a credit card fraudulently obtained with false identification;

(2) using an invalid credit card;

(3) fraudulent use of another person's credit card;

(4) malicious overdraft.