1. can be cancelled, but before canceling the credit card, confirm the annual fee reduction. Before canceling the credit card, you must clear the account balance and complete all cancellation procedures within 45 days after the application. After 45 days of cancellation, call the bank credit card customer service phone to confirm whether the cancellation is successful or not, so as to avoid the failure of cancellation due to special reasons and leave a bad record for yourself. Cancelling a card does not mean canceling an account. If it is determined that it is not needed, it is best to close the account at the same time.

2. If you only return the card and apply for the credit card of the same bank next time, you will not be able to enjoy the treatment and preferential treatment of new customers. This problem can be avoided by closing the account. Therefore, it is best to cancel the account corresponding to the card at the same time. After the credit card is cancelled, you can't just throw it around. There is also a lot of personal information on the cancelled card. As long as the card number is used, it can be used in some places. Don't throw it about. If you don't need to collect it, you should cut out the magnetic stripe and give it to the bank counter for special crushing.

If you don't want to continue using your credit card, you must cancel it. If you don't cancel your account, the bank will charge you an annual credit card fee. If there is no overdraft on the card, you can apply for account cancellation at any time. If the card has not expired, you need to apply first and cancel it at the bank within one day; If the validity period of the card has expired and the account balance is zero, you can cancel the account directly at the designated bank outlet. When canceling the account, you should bring your valid ID card and the original ID card. If it is not convenient for you to check out, someone else can do it for you.

1, the agent holds the written power of attorney of the principal (himself) and carries the original valid identity certificate to handle the cancellation business. If your credit card does not expire within the account cancellation period, some banks stipulate that you need to go to the designated outlets to receive the card, and then go through the formal account cancellation procedures after a certain period of time (up to 30 days).

2. If the account is closed immediately, it will also affect the normal liquidation of the bank. For credit cards that have not been opened, even if they are not going to be opened, they should be cancelled, otherwise an annual fee will be charged. It is recommended to cancel the credit card within one month after issuing the card, and no later than 12 months. It should be reminded that the bank counter does not provide credit card cancellation service. Most banks require cardholders to apply to the customer service center of the bank credit card center for cancellation of their credit cards by telephone. There is a customer service phone number corresponding to the credit card center on the back of the credit card.

3. For credit cards that are normally used, it is suggested that the debts must be paid off before the bank's credit card account is cancelled. After the bank agrees and registers the account cancellation, the credit card will enter a six-month freeze period (also known as the risk period). The specific time varies from bank to bank, usually between 45 days and 6 months). If there is no new debt during the freezing period, the card will be officially cancelled after freezing. The credit card has been cancelled successfully. You'd better cut out the magnetic card of the credit card and destroy it yourself. Besides credit cards, are there any debts?