The newly-established credit card can be cancelled immediately, and there is no time limit. Users can cancel the credit card business as long as the credit card accounts are settled. It will take about 45 days for a credit card to be cancelled, and it will not be officially cancelled until the final bill comes out.

in addition to the bank's requirement that there should be no arrears and balance when canceling the card, the credit card can be cancelled and all functions can be stopped only after the arrears and other expenses on the user's credit card book have been paid off without overdue or negative records.