if you don't want to use your credit card, you can really apply for cancellation. For example, some credit cards will charge a hard annual fee. If they don't have to deduct the annual fee later, the customer still needs to bear the repayment responsibility. For this, it is better to cancel as soon as possible.

if the credit card itself is directly free of annual fees, it doesn't matter if the customer doesn't cancel it for the time being. The card can also be used for collection, and then it will be automatically invalidated when the validity period expires.

and you need to pay attention that if you want to cancel your credit card, you'd better check whether there is any outstanding bill arrears and excess payment in the card, then pay off the bill arrears and take out the excess payment, and then contact the bank to apply for card cancellation.

after the credit card is successfully cancelled, please remember to cut the magnetic stripe/chip of the card before discarding it (the magnetic stripe/chip of the card contains information, and if it is discarded directly without cutting it after cancellation, it may lead to the disclosure of personal identity information, thus causing security risks).

A credit card can be cancelled, but it must meet the conditions for cancellation:

1. When canceling a credit card, check whether the debt has been paid off. Before canceling, you usually need to check whether there is any debt in the credit card, but in some cases, you can't see the bill, which makes people mistakenly think that you have paid off the debt.

2. Whether the fees have been paid in full or not. Before canceling the credit card, first confirm the annual fee waiver, and then the management fee, such as SMS notification fee. Some banks deduct it not in advance, but finally. In the interim, it will not be reflected in the credit card bill.

3. Whether to confirm the cancellation of the credit card after cancellation? Confirm with the bank whether the cancellation is successful after 45 days. Generally, the credit card cancellation period of the bank is about 45 days.

Credit card cancellation method:

1. Telephone banking cancellation: All credit cards can be cancelled through telephone banking. If the credit card can only be cancelled by phone on the premise that it can be cancelled, call the corresponding bank customer, enter the search card number and information according to the prompt, and cancel the account. Second, the cancellation of the bank counter:

(1) Bring valid certificates, such as ID cards and credit cards.

(2) get the reservation number from the bank and queue up

(3) explain to the service staff that you want to close the account, give the credit card to the bank staff and fill out the relevant application.

(4) the credit card account is closed.