1. Different meanings. Credit card cancellation means that the cancellation of a credit card under the cardholder's name will not affect the use of other cards under his name. And closing an account means deleting the account of the bank, including all the data under its name.

2, the effect is different. Cancel the bank card, and the card information can still be found in the personal account; The account information will be completely cleared by closing the account.

3. The treatment of applying for a card is different. After canceling the credit card, the account information is still there. At this time, you can't enjoy the new user discount when applying for a new card. After the account is closed, the account information is cleared. At this time, you can enjoy the benefits of new users by opening an account again and applying for a new card.

4. The recovery effect is different. If you cancel your credit card, you can apply to restore it. However, after the account is closed, it is impossible to restore the credit card by re-opening the account.