Credit cards can be cancelled.

To cancel a credit card, you need to pay off all the debts in the credit card, call customer service or use credit card software to apply for cancellation. If the credit card has bill installment, you need to settle the bill installment in advance to cancel it.

If you want to cancel your credit card, you must ensure that there is no debt on the credit card before you can cancel it. Within 30 days after cancellation, it belongs to the hesitation period. As long as you are in this hesitation period, you can call customer service at any time to apply for resuming use.

Related precautions

After the credit card is cancelled, "cancelled" will be displayed on the credit report. After the credit card is cancelled, there is no repayment record, but it will leave traces of cancellation on the credit report. But it has no effect on individuals. If you think your credit card is too small to use, you can apply for cancellation. But canceling multiple credit cards in the same bank is called card cancellation.

If the same bank only has this credit card, then cancellation is called account cancellation. There is still a big difference between returning a card and canceling an account. The cancellation of a card is only the cancellation of a credit card, and the cancellation of an account is the cancellation of all credit cards under the name of a bank. After the cancellation of the card, it will not affect the application for the bank's credit card in the future. However, after the account is cancelled, it is easy to be rejected to apply for a bank credit card again. But for individuals and credit information, there is no impact.

How to cancel the credit card?

The cancellation process is as follows:

1. Call the bank customer service phone to apply for cancellation of the credit card. Note that at this time, bank customer service will generally retain you. If you decide to cancel the card, don't listen to him "fool" and insist on canceling it.

2. There will be a settlement period of 30 -45 days from the telephone application for cancellation to the formal cancellation. Never use a credit card again in the meantime.

3. 40 days after the cancellation, call the bank customer service to confirm whether the cancellation is successful, so as to avoid leaving a bad record for yourself because of the unsuccessful cancellation for special reasons.

4. Don't throw away the cancelled credit card everywhere. Cut the magnetic stripe and discard it to avoid being picked up by criminals and causing losses to yourself.

Extended data

For customers, if they plan to return the card, it is best to unlock the card in advance and it takes time to return the card. Leave time to return the card before the next annual fee collection to avoid paying an extra annual fee.

This export card is not the same as canceling the account. Some banks will keep customer information after canceling the card, but all customer information will be deleted after canceling the account. Therefore, it is suggested that cardholders cancel their accounts while returning their cards, which can not only ensure the safety of personal information, but also enjoy the preferential treatment for new customers when banks open new credit cards in the future.