The credit card under the ID card cannot be canceled at the People's Bank of China, but can only be canceled through the bank where the credit card is located. There are conditions that must be met to cancel a credit card. Generally speaking, if the credit card debt has not been paid off, or the annual fee has not been paid, or there is a balance, it cannot be canceled. Certain banks' credit cards have other requirements. Therefore, be sure to ask clearly when calling the official credit card customer service.

There are several ways to log out:

1. Log out via telephone banking.

Basically, general credit cards can be canceled through telephone banking. Of course, some banks may be a little troublesome, while others are different. For example, China CITIC Bank, China Merchants Bank, etc. are very convenient. Please note that the credit card must be able to be canceled before it can be canceled by phone.

2. Cancel at the bank counter.

Going to the bank counter to cancel is also an option. But please pay attention to a few points:

First: Bring necessary documents, such as ID card, credit card, and if you owe money on your credit card, prepare money!

Second: Remember to avoid the peak hours of the bank to avoid waiting in line for too long and delaying normal work and life.

Third: Explain the situation to the staff truthfully. If you really want to cancel the card, don’t change your mind easily.

3. Cancel the registration at the designated bank business hall.

Since there are still differences in the regulations of various banks on credit cards, and there are many types of credit cards, some banks will have clear regulations on the cancellation of certain credit cards. Therefore, if you are not sure where to cancel your credit card, please call the official customer service for consultation in time.

4. It is not recommended to cancel credit cards casually.

Credit cards are one of the manifestations of personal credit. The annual fee requirements for current credit cards are very low. You only need to swipe the card a few times a year to avoid the handling fee for the next year. This is very easy to do. Yes, there is no need to cancel the card for the annual fee.

Some people may have forgotten to pay back the money they owe on their credit cards, have credit problems, and the bank may also require them to cancel the card. Note, as long as you pay back the money you owe the bank and maintain a good credit record in the future, you will be fine. If you cancel your credit card, it will be difficult to apply for it again next time.