Excuse me, are you asking if the points on the credit card have not been redeemed, which will affect the refund of the card? How to cancel the account safely? Will not affect the pin card.

Before canceling the credit card, we need to confirm whether our credit card has paid off all the debts. If there is any outstanding debt, we should pay it off before canceling the card. In addition, we can exchange points. If we don't exchange cards, it will be a waste, but it won't affect the card return.

The steps for safe account cancellation are as follows:

1. Confirm the balance. Determine the remaining arrears and balances, accurate to the minute. If there is outstanding money or extra money, it needs to be settled or transferred out first.

2. Destroy the card and unbind the payment withholding agreement of the payment platform. The cancelled credit card must be destroyed, the magnetic stripe and chip must be destroyed, and the name and the last three codes on the card must be cleared. At the same time, we should also delete the binding records of third-party platforms such as Alipay and WeChat to avoid new consumption.