If you cancel your account, you still have to return the credit card. If the account of the client is cancelled, the credit card will still be returned as long as the bank can prove that the client and the cancelled identity belong to the same person.

In addition, credit card consumption originally belongs to the creditor-debtor relationship protected by law. As long as it is a formal creditor-debtor relationship, there is absolutely no possibility of borrowing money and not paying it back.