Bank cards are divided into credit cards and debit cards. You don’t need a card to cancel a credit card, but you need a card to cancel a debit card.

Currently, to cancel a debit card, you must bring your ID card and debit card to the counter of the issuing bank's business outlet. After cancellation, the cardholder needs to return the debit card to the bank.

Credit cards can be canceled by calling the card-issuing bank’s hotline. Of course, the cardholder can also bring his/her ID card and credit card to the counter of the card-issuing bank’s business outlet to handle cancellation procedures.

It is worth noting that whether it is a debit card or a credit card, the balance on the card needs to be withdrawn in advance when canceling. If there is a debt on the credit card, the debt needs to be paid off.

Finally, it should be noted that the credit card cancellation cycle is generally about 45 days. During these 45 days, the cardholder can no longer use the credit card to make purchases, otherwise the cancellation application will be automatically withdrawn. In addition, 45 days after applying for account cancellation, for the sake of insurance, it is best to call the bank again for confirmation in case the cancellation is not successful due to special reasons.

When canceling a bank card, you need to pay attention to:

1. First, if the bank card is a debit card, then it does not necessarily need to be canceled. When there is no money in the card, the bank card will enter In sleep state, the system will automatically cancel the bank card after a while.

2. If you must cancel the card, you can only cancel it at the bank counter in person. You need to take your ID card to the place where the account was opened to cancel it. Remember, you must go to the place where the account was opened. This cannot be done in another place.

3. If it is a credit card, because the credit card can be overdrafted, it is best to take it to the bank to cancel it if you no longer use it, and the money in the credit card does not have interest.

What to bring:

1. I need to go to the bank with my ID card and bank card to get the reservation number and queue up.

2. Explain to the service staff that you want to cancel your account, give your bank card to the bank staff, and fill in the account cancellation application form.

3. The bank card account cancellation is completed.

Additional notes:

1. If there is still money in the bank card, you can withdraw all the money at the counter when closing the account.

2. If the bank card is lost, you need to apply for a new bank card before canceling the account. There is a card fee for replacing the card.

3. For debit cards, if the card is not used for a long time, it will generally be automatically frozen and will not affect your personal credit record. If it is a credit card, it will not be automatically frozen if it is not used for a long time, and it may be overdue due to annual fees.