1. Confirm that there is no debt in the account of China Merchants Bank, and users can check the bill through the official website of China Merchants Bank's credit card. If there is any outstanding amount, it needs to be paid off first.

2. Confirm that there is no balance in the account. Users of China Merchants Bank can check the account balance through the counter of China Merchants Bank, ATM or online banking. If there is any balance, it needs to be transferred out first.

3. Call the customer service phone of China Merchants Bank, switch to manual service, and apply for cancellation to the customer service staff. The customer service staff will verify the relevant information and ask for confirmation of the cancellation intention.

4. China Merchants Bank will review the applicant's account within 45 days to confirm whether it meets the cancellation conditions. If you have any questions or need to know more about the cancellation conditions, China Merchants Bank will inform you in time.

5. If it is approved, China Merchants Bank will officially cancel the credit card and send a notification message to the applicant that the cancellation is successful.