First of all, before canceling the card, you must check whether there are any unpaid arrears and annual fees. The bank will only approve the card cancellation after the fees are paid.

Secondly, the cardholder can call the bank’s customer service hotline to apply for cancellation of the credit card. Generally, it takes about 30-45 days after the bank accepts the card to successfully cancel the card.

After 45 days, the applicant needs to check the result of credit card cancellation by himself. If the cancellation is completed, the cardholder can destroy the expired card to avoid theft.

Extended information:

Notes:

There are two differences between canceling a credit card: "cancellation of the card" and "cancellation of the account". Zhongxin Play Card reminds users, Card cancellation means that the credit card has become invalid, and the bank has retained your loan account with the bank. If you want to apply for a CITIC Bank credit card in the future, the bank can activate the account and issue you a new card. "Account cancellation" means canceling the applicant's entire loan account in the bank. If the user wants to change the card in the future, he or she can resubmit the application.

In the past, some users did not cancel their accounts after canceling their cards and incurred annual fees, which resulted in the card owner's credit report being overdue. In view of this situation, it is recommended that you check whether your card has been successfully canceled one to two months after canceling the card, and whether there are any card fees left.