Go to the bank with your ID card and tell him the credit card account number and password and he should be able to cancel it! You can probably cancel by calling the bank's customer service. Moreover, canceling CITIC’s cards over the phone will definitely lead to retention. If a bank wants to make money, it needs to open a lot of cards. It is the job of these customer personnel to win back customers who have withdrawn their cards. When you cancel your cards, be tougher and tell them the reason. That's it. If you don't get a refund, just ask them for the OEM number and say you want to complain, and they will definitely refund the money, because the loss caused by the complaint is greater than the income they get from retaining you.