To cancel a credit card, you can call the 24-hour customer service number on the back of the credit card and make a request to the customer service to cancel the credit card. The customer service will verify your identity and will handle it for you; or you can directly bring your credit card and ID card to the bank branch counter to ask the bank to cancel the credit card. Staff logs out.

You must do two things before canceling the card. First, make sure that there are no arrears or overpayments on the credit card. If there is any arrears, pay all the arrears. If there are overpayments, you can withdraw cash through Take it out or swipe it away; secondly, use up the points in the credit card to avoid wasting the points you have accumulated so hard. You can use the points to exchange for gifts in the credit card mall, or transfer them to others. OK.

Also note that canceling a credit card may affect your personal credit. For credit cards that are strictly used and have no overdue records, canceling the card when there is no balance and no outstanding balance will have no impact on the individual's credit record. However, if the cardholder has an overdue bad credit record while using the card, or if there is an unpaid balance on the card when the card is canceled, it will have an impact on the personal credit record.

For credit cards that have already left bad records, it is impossible to cancel the card and remove the bad records. The correct way is to continue to use the card, maintain a good repayment record, and cover the old bad credit record with a new good credit record in the future.