This needs to be done at the bank.

As long as you don’t owe money on the card, that’s fine. There will definitely be a bad record if you cancel if you owe money. It is best to call customer service. This is a rigid rule of the bank, and if you deposit money in it, you will need to pay a handling fee when you withdraw it. If you want to cancel a credit card, there must be no outstanding balance or excess money in the credit card and it must be cleared.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.