1. Late repayment of credit card will only be recorded in personal credit report. As long as the credit card arrears have been settled, the bank card cancellation procedures can be handled normally. However, if there has been a record of overdue credit card repayment before, even if the record of overdue credit card cancellation is kept for 5 years, it will affect personal credit.
2. In addition to paying off the bank card bill, the annual fee, interest and other expenses should also be settled, otherwise these unsettled expenses will become overdue repayment after the bank card is cancelled, and then the credit card cancellation will affect the cardholder's credit information.