Credit card cancellation method: it is recommended to cancel by phone, check the customer service phone number on the back of the credit card, dial the customer service phone number, and enter the manual service according to the prompt. Communicate directly with customer service, and customer service can cancel after checking personal information.

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If the activated credit card is not used, the bank will not automatically cancel it for you for the time being, but all credit cards have an expiration date, and expired credit cards need to be updated before they can continue to be used. Some banks require cardholders to take the initiative to go to the bank to update, and some banks will automatically help you update. You can contact the customer service of the bank to request that you no longer use the credit card and cancel it directly.

In addition, the credit card has an annual fee, so when the account has a balance, the bank will automatically deduct it; When there is no money in the account, it is overdrawn. Credit limit will be deducted for overdue repayment. After the credit line is deducted, those who still owe money will enter the credit blacklist; Customers who enter the blacklist will be sued by the bank and entered the central bank for the record. It is difficult for people with this record to apply for a credit card in the future.

So cancel the credit card when it is not used, otherwise the annual fee will not be a decimal if it accumulates to a certain extent.