If you don't intend to continue using credit cards, you must do so. If the account is not closed, the bank will charge an annual fee for the credit card. If the card is not overdrawn, you can apply for account cancellation at any time.
If your card has not expired, you need to apply first, and then go to the bank to cancel your account after a certain period of time. When closing the account, you should bring your valid ID card and the original card. If it's not convenient for me to close the account, someone else can help you. The agent must hold the power of attorney written by the principal (himself) and bring the original valid identity certificate to handle the account cancellation business.
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Precautions for credit card cancellation:
1. Credit card cancellation must be without arrears and balance, and there is a waiting period of 45 days from application for cancellation to successful cancellation.
2. After the credit card is cancelled, it is best to cut off the magnetic stripe of the card and properly handle it;
3. There is no handling fee for credit card cancellation, which will not affect the use of other credit cards that have not been cancelled;
4. After the cancellation of the credit card, similar supplementary cards also need to be cancelled.
China Industrial and Commercial Bank official website-Credit Card Cancellation Method