The main methods of canceling credit cards are as follows.

1. Bank cards can be canceled through telephone banking. The bank card must be able to be canceled before it can be canceled by phone. Call the corresponding bank customer and enter the card number and information according to the prompts to cancel the account.

2. Bank cancellation:

① Determine the bank’s working hours. Office workers are usually only available on weekends, while bank branches have different closing hours. It is recommended to call the bank customer service first.

② Bring all relevant documents. The most important documents are ID cards and bank cards. If your bank card has been used for online banking, you may have an online banking password card and an online shield, which you also need to bring.

③ Determine the balance in the card. To determine whether there is a balance on your card, you can check it at an ATM or over the counter. Generally speaking, if there is a balance, the window staff at the bank counter will take it out.

④The bank number is waiting for processing. Tell the lobby manager to go through the account cancellation procedures, and the lobby manager will directly help you get your number.

⑤Sign at the counter. When applying at the counter, submit your ID card and bank card, and bank staff will handle it directly. During the application process, there is an account cancellation confirmation list that requires signature and confirmation.

⑥After successfully canceling the bank card, remember to destroy the card! After signing and confirming, the bank's handling staff will cut the card with scissors and make a copy. After copying, they will return the relevant certificates, signature strips and cut cards for successful account cancellation.

3. In addition, for cancellation of bank cards in other places, it is not necessary to go to the bank where the account is opened, but the regulations of each bank are different and it is done according to the regulations of each bank. At present, banks across the country have many branches, and each bank has many regulations. The details are as follows:

Banks such as Agricultural Bank of China, China CITIC Bank, and Hua Xia Bank clearly stipulate: No. If you want to cancel a memory card issued in another place, you can only go back to the bank where the card was originally issued. China Construction Bank, China Merchants Bank, China Everbright Bank, etc. stipulate that you can close your account in another place, but if you want to withdraw the money from your bank card, you have to pay the relevant fees for withdrawals in other places. 1. If the bank card is lost, you need to apply for a new bank card first, and then cancel the account. The replacement card requires a card fee; 2. To cancel the bank card account, you must withdraw the balance on the card and ensure that there is no outstanding balance on the card, and finally Only when the debt is paid off for more than 45 days can formal cancellation be processed. 3. Don’t just throw idle bank cards away. The relevant person in charge said that this may cause the leakage of personal information. If it is used by criminals, it may also cause unnecessary losses and pose security risks. If someone else gets hold of the credit card card and password, the original cardholder may be responsible for the corresponding debt.