Credit cards can be cancelled as long as all debts are settled. Many banks have relevant regulations on credit cards. If the cardholder uses the credit card for a certain number of times in the current year, the bank will waive the annual fee for the next year. If the cardholder stops using this card and fails to pay the annual fee for a long time, it will lead to arrears, interest, late fees and even a bad personal credit record, so the credit card that has not been used for a long time will still be cancelled.

Credit card cancellation method

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1. Telephone banking cancellation: users can call the corresponding bank hotline to explain the specific situation to the customer service staff who answered the phone, and then cancel the credit card according to the other party's prompt;

2. Bank Counter Cancellation: Users need to bring relevant certificates to the counter of the bank branch to which the credit card to be cancelled belongs, explain the specific situation to the bank staff, fill in the relevant application information, and wait for the staff to assist in canceling the credit card.

It should be noted that if the credit card is lost, the cardholder must first reissue a credit card and then cancel the account. Card replacement requires a card fee, and the cardholder must also take out all the balance on the card to ensure that there is no debt on the card before cancellation.

Credit cards can be cancelled, but the cancellation conditions must be met:

1. Is the debt paid off?

When canceling the credit card, check whether the debt has been paid off. It is generally necessary to check whether there is any debt on the credit card before cancellation, but in some cases, if you can't see the bill, people will mistakenly think that the debt has been paid off.

2. Is the fee paid in full?

Whether other expenses have been paid, before canceling the credit card, first confirm the annual fee reduction and then confirm the management fee, such as SMS notification fee. Some banks do not deduct in advance, but at last. In the meantime, it will not be reflected in the credit card bill.

3. Are you sure after cancellation?

45 days after the cancellation of the credit card, check with the bank again whether the cancellation was successful. The average bank's credit card cancellation cycle is about 45 days.

Credit card cancellation method:

1. Telephone banking cancellation: Credit cards can be cancelled through telephone banking. If the credit card can only be cancelled by phone on the premise of cancellation, call the corresponding bank customer, enter the search card number and information according to the prompt, and cancel the account.

2. Cancel the bank counter:

(1) Carry valid certificates, such as ID cards and credit cards.

(2) Get the reservation number from the bank and queue up.

(3) Explain to the service staff that you want to cancel the account, hand over the credit card to the bank staff and fill in the relevant application.

(4) Credit card cancellation is completed.