The first method is more convenient, using telephone banking to cancel.

The user calls the customer service hotline of the credit card center and applies to the bank staff for canceling the credit card. General bank staff will say that users will continue to use their credit cards. If users really don't want to continue to use their credit cards, they should be more active when applying for cancellation, telling the bank that you really don't need to use credit cards, and then the bank staff will accept the user's credit card cancellation application.

The second method is to go to the business hall of the designated bank for cancellation, and the specific location can be consulted by official customer service. Generally speaking, the cancellation of bank cards can be carried out at any counter outlet of the bank in the city where the account is opened.

The cardholder himself brings his valid ID card and the credit card he wants to cancel to the bank counter to apply for cancellation. Users need to fill in the card cancellation application form, and then go through the corresponding card cancellation procedures one month later. Pay attention to avoid the peak when handling.

You can't throw away your credit card after cancellation. The cancelled card also contains a lot of personal information. You can use it in some places where you only need the card number. Don't throw it away. If there is no need for collection, the magnetic stripe should be cut out and handed over to the bank counter for special crushing.

If the card has not expired, you need to apply first, and then go to the bank to cancel the account after a certain period of time; If the card has expired and the account balance is zero, you can directly cancel the account at the designated bank outlet. 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.

Cancellation status: If you don't plan to continue using your credit card, you must cancel your account. If the account is not closed, the bank will charge an annual fee for the credit card.

Matters needing attention

Before the credit card is cancelled, the account balance must be settled, and the whole process of card cancellation must be completed within 45 days after the application.

Basically, ordinary credit cards can be cancelled through telephone banking, but there are exceptions.

If the card is not overdrawn, you can apply for account cancellation at any time. Note that there is a difference between credit card cancellation and account cancellation. Users are advised to cancel the card first, and then cancel the account.