2. Call the manual customer service to see if there is any debt.

3. See if the money is overdue in the past two years. If the overdue records are not updated, personal credit will be damaged, and it will not be so easy to apply for loans in the future. It will take 24 months after the deadline to cover.

It's not too late to close the account after changing the gift. Some banks will give generous gifts when customers apply for cards. In this case, the card cannot be sold casually, and it will take at least half a year.

The easiest and most convenient way to cut the card is to call the customer service hotline on the back of the card, and someone will help you cancel the card. You don't have to return the credit card to the bank, just "cut it off".