Credit card (debit card) account cancellation, single card account cancellation and whole account cancellation. Cancellation of single card refers to cancellation of credit card (debit card) under the cardholder's name; The whole account cancellation is the cancellation of the account, that is, the cancellation of the cardholder's entire account, and the card of a bank under his name will be cancelled.

All debts must be paid off before the account is closed. Cardholders choose to cancel their cards when they have other cards in a bank. At this point, the debt does not need to meet this condition.

In order to ensure that the cardholder does not owe money when closing the account, the application for closing the account generally takes effect after 45 days, while the card withdrawal takes effect immediately after the application.

If you just return your card, you won't be able to enjoy the treatment and preferential treatment of new customers the next time you apply for a credit card (debit card) from the same bank, and you can avoid this problem by canceling your account.

Therefore, if the cardholder has only one card in the bank, it is best to cancel the account corresponding to the card at the same time. If you apply for a credit card (debit card) again, the bank can give it according to the treatment and preferential treatment of new customers.