it should be noted that the account cannot be in arrears when freezing or canceling, and in order to ensure the security of the account, the card must be at hand when freezing or canceling by phone. If the card is lost, it can only be frozen or cancelled at the counter of the outlet. In addition, if there are new accounts payable within 45 days (inclusive) after freezing or cancellation, they will still be borne by the cardholder.
however, if the account has no arrears or overflows after 45 days of card cancellation, the system will automatically close the account without going through any formalities.
for the specific card cancellation process, please consult the relevant staff of Bank of Communications. I hope my answer can help you.