Conclusion: There are many ways to cancel a credit card, including telephone customer service, bank counter, etc., but the prerequisite is that the credit card account must have no outstanding balance and the card must be in hand. The following are the detailed steps:

First of all, if you want to cancel your credit card quickly, you can call the 24-hour online customer service number and inform the customer service that you want to cancel the card, but be sure to make sure there is no outstanding balance in the card, otherwise you may Unable to succeed. Customer service will guide you through the cancellation process.

Secondly, going to the bank counter in person is also an option. You can explain the situation in detail and the staff will help you handle it. This method is more intuitive and avoids possible misunderstandings in telephone communication.

After 45 days of processing, if there are no outstanding balances or excess deposits in the account, the credit card will be officially canceled without additional procedures. It is worth noting that if the credit card has not expired, you may need to apply first and then cancel the account. If the card has expired and the balance is zero, you can apply directly at a designated outlet.

When canceling your account, you need to bring your identity document and card. If you need someone else to do it on your behalf, you need to provide a power of attorney and valid certificates. In addition, if the card has special circumstances, such as manual card pressing transactions or overseas consumption, it may be necessary to wait for a period of time before officially canceling the account to ensure that the bank's clearing proceeds normally.

In general, when canceling a credit card, ensure that the account status is clear and operate in accordance with bank regulations to ensure that the entire process goes smoothly.