If there is a balance in the credit card, you cannot cancel the account. If you want to cancel the account, the method is:

1. Tell the bank that you no longer want the balance.

2. Just withdraw the balance from your credit card.

Credit card cancellation method:

1. Cancel via telephone banking.

Basically, general credit cards can be canceled through telephone banking. 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 a commonly used method. But please pay attention to the following points:

First: Bring necessary documents, such as ID card, credit card, and have money ready if you owe money on your credit card.

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.

Conditions for cancellation:

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.