First, the cancellation of credit cards should pay attention to the following places:

1 for credit card status.

Call the bank's customer service hotline first to find out the credit card status. Before you are ready to cancel your credit card, you should call the issuing bank to see if there are any outstanding accounts on your card. Once the money spent is overdue, it will damage personal credit, and it will not be so easy to apply for a loan in the future.

2. Clear the credit card balance.

As long as there is a credit card balance, whether it is positive or negative, there is no way to cancel it normally, and the cardholder needs to empty the credit card balance. If there is any arrears in the card, it is necessary to pay off all the arrears in time; If there are extra deposits, such as tens of dollars more, the cardholder can directly go to the supermarket to brush off these balances to avoid being charged a handling fee by withdrawing cash or transferring money. You can also transfer the balance in the card to the debit card in the name of your peers. Of course, if the amount is relatively small, you can call the issuing bank to "give up the balance in the card".

3. Credit card integral transfer

Credit card cancellation is divided into card cancellation and account cancellation. To return a card is to cancel the credit card in the cardholder's name, and to cancel the account is to cancel the cardholder's entire account in the bank. Single card cancellation does not necessarily mean account cancellation. In the case that a person holds multiple credit cards in the same bank, other cards can be kept. Once the whole household is cancelled, it means that all the cards under the cardholder's name are cancelled. If the whole household is cancelled, the cardholder's points will be cleared. Only one card can be cancelled to keep points. After the credit card is cancelled, the points in the card can be transferred to other credit cards of the same bank, provided that the card types and points types of the two cards are the same. If they are different, they cannot be accumulated. For example, the points of a standard card cannot be transferred to a joint credit card with "points automatically converted into mileage".

Second, the credit card cancellation process:

1. Call the issuing bank to cancel the credit card. After receiving the call, the bank will accept the user's application to cancel the credit card, and deduct the annual fee receivable from all the cards under his account, and the account balance will be zero or the customer will definitely give up the remaining deposit in the account.

2. Go to the bank counter to officially cancel the credit card. You must bring your prepared ID card, application form and credit card to cancel. Go to the counter to get the card transaction, and then wait a month to cancel the transaction. The first step to cancel the account is to receive the card, and then do the corresponding cancellation procedures one month after receiving the card, but you can also make an appointment to cancel the account directly on the day of card cancellation. So you don't have to go to the outlet after waiting for a month. The balance on the card will be directly transferred to the card after 1 to cancel the account at that time.