There are several common ways to deal with credit cards that are no longer used:

First of all, you can cancel by calling the 24-hour customer service hotline of the credit card, but the premise is that there is no outstanding debt on the credit card. The payment must be made and the card must be in your hand. Customer service will guide you through the card cancellation process.

Secondly, the bank counter is also a way to cancel your credit card, which is suitable for you to do it when you are free. Explain the situation directly and the staff will assist you in completing the account cancellation procedures. The advantage of this method is that face-to-face communication avoids possible misunderstandings caused by telephone communication.

Your credit card account will be officially canceled 45 days after the application is successful, and there are no arrears and excess deposits. No additional procedures are required. However, if the card has not expired, you may need to apply first, collect the card, and then cancel the account to ensure that the bank's liquidation process is not affected.

Finally, remember to bring your ID and card when canceling your account. If you need someone else to do it on your behalf, you need to provide a power of attorney. Remember, the purpose of closing an account is to avoid accumulation of annual fees and ensure a clear personal financial situation.

In general, when dealing with credit cards that are no longer in use, you need to consider the balance owed, the expiration date, and the bank's specific requirements to ensure the accuracy and thoroughness of the operation.