1. Is there any charge for canceling a credit card? Charges will only be charged when reporting the loss or replacement of a credit card. Cancellation is free. You can just call the bank's credit card center and ask customer service to cancel the credit card. It should be noted that a credit card can only be canceled if there is no debt or balance. This means that all the debt must be paid off. If there is money in the card that exceeds the credit limit, it must be withdrawn or spent. Then you have to wait 45 days before the account can be officially closed.
2. Why is the credit card charged when canceling the credit card? During the cancellation of the credit card, fees may be deducted, but it is not the cancellation fee. The main reason is the deduction of the annual fee. The credit card can be officially canceled after 46 days. If it is the annual fee settlement period and the conditions for annual fee exemption are not met, the annual fee will be directly deducted from the credit card limit and then included in the credit card bill for the first period. If you want to successfully cancel your credit card, you must pay off the balance on time. In order to avoid this situation, it is recommended that before canceling a credit card, you first call the credit card service hotline and transfer to the manual customer service to ask clearly about the annual fee settlement cycle of the current year and whether the credit card meets the annual fee exemption conditions. Try to do it 2 days before the annual fee settlement cycle. Deregister every month. The above is the relevant introduction to "Is there a charge for canceling a credit card?", I hope it will be helpful to everyone. If you still have any questions about canceling your credit card, it is also recommended that you call the service hotline of the card issuer and consult customer service.