There is an annual fee for overdue account cancellation of credit cards. There is a period of time from applying for account cancellation to formal account cancellation, which is designed by the bank to facilitate the clearing of the remaining debts of credit cards.

If you owe money, you can't write it off. Let alone cancel it. You didn't tell the bank in advance not to renew the card, and the bank will automatically make you a new card (equal to renewing the card) when it expires. Write it clearly in the card agreement. The old card did expire and can't be used, but the new card was prepared for you as required.

Extended data:

The annual fee of credit card refers to the one-year use fee of credit card.

Each credit card has a corresponding annual fee, and the annual fee of each card in each bank is different. Generally speaking, the annual fee will not be charged until the credit card is activated, which means that you will start to use the card and then charge a usage fee. In order to encourage consumption, banks will give different annual fee reduction policies.

Generally speaking, credit cards and gold cards are exempt from the annual fee in the first year, and the annual fee in the following year can be exempted if the card is swiped for a certain number of times in that year. The number of times each bank needs to swipe its card free of annual fee is different, which is subject to the standards published by the credit card issuing bank.

There are also some high-end platinum cards and unlimited cards that do not have an annual fee-free policy for the first year. Even if it is not activated, there is an annual fee. As long as it is approved, the annual fee will be recorded immediately and needs to be repaid in time.

The specific process of card return is as follows:

1. Call the bank credit card center to ask about cancellation, mainly depending on whether your card is suitable for cancellation, whether there is a balance, and so on.

2. Cancel the credit card by phone. After receiving the call, the bank will accept the user's application to cancel the credit card, and deduct the annual fee receivable from all the cards under his account, and the account balance will be zero or the customer will definitely give up the remaining deposit in the account.

3. Go to the bank counter to officially cancel the credit card. The cardholder must bring his ID card and the credit card to be cancelled to the bank to fill out the card cancellation application form. You can collect the card first, and then do the corresponding cancellation procedures one month later, but you can also make an appointment to cancel the account directly on the day of card cancellation.