You don't have to cancel the card, but you still have to pay back the money. There is no need to return the card after cancellation. Generally speaking, you only need to call customer service to sell cards. In another case, the card will also be deactivated, that is, if it is overdue for more than 2 months, some banks will use the system to automatically stop the card. It is a very serious situation to hand it over to the legal department for more than three months.

1. Credit card is a credit certificate issued by a commercial bank or credit card company to eligible consumers. The form is a card with name, expiration date, number and cardholder's name printed on the front and magnetic stripe and signature strip printed on the back. Consumers with credit cards can shop or spend in specialized commercial service departments, and then banks will settle accounts with merchants and cardholders. Cardholders can overdraw within a certain amount.

2. The credit card stipulated by relevant laws in China refers to the electronic payment card issued by commercial banks or other financial institutions. It has all or part of the functions of consumption payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standard for public services was formally implemented, and the English name of the credit card standard was stipulated as credit card. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when spending, and it will be repaid on the day of collection. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card that the cardholder has a certain credit limit and can repay before spending within the credit limit; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of petty cash according to the regulations, and when the balance of the petty cash account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally only refer to credit cards.

3. In most cases, citizens with direct civil capacity and citizens with certain direct economic resources can apply for credit cards from the issuing bank. Sometimes, legal persons can also act as applicants. The object of applying for credit card can be divided into units and individuals. The applicants are institutions, business units, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. Each unit applying for a credit card can receive a main card and several (5- 10) sub-cards. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee. The general application method is to fill in a credit card application form. The contents of the application form generally include the applicant's name, basic information, economic status or income source, guarantor and its basic information, etc. , and submit some certificates and copies of certificates to the publisher. After filling in the application form truthfully according to the contents of the application form, the customer shall submit a complete application form and relevant credit certificates. The application form is attached to the credit card use contract. The applicant authorizes the issuer or relevant departments to investigate its relevant information and submit a statement on the authenticity of the information and the privacy protection policy of the issuer, which shall be signed by the applicant.