1. settle accounts first. If the credit card is in arrears, you need to call the customer service phone of China Merchants Bank (400-820-5555) to find out the amount of the arrears, and then pay off the arrears through self-service or counter repayment, because it is impossible to go through the cancellation procedures if there is arrears.

2. Make sure the card is secure. When canceling the credit card, the bank staff will inform the cardholder that the card needs to be cut and destroyed to ensure the security of the cardholder's account. If the card is lost, you need to report it first, so make sure the card is safe.

3. The cancellation of China Merchants Bank's credit card can directly call customer service without going to the counter. After the call, the customer service staff will first check the identity of the cardholder and make sure that the arrears have been paid. The customer service staff will inform the cardholder that the card has been cancelled. If there is no other new repayment after 45 days, the card can be officially cancelled.

4. If there are extra money and points in the credit card, take out the extra money and apply for cancellation, and the points need to be exchanged. If there are other credit cards in China Merchants Bank, you can transfer the points and money to other credit cards.