I got a dual-currency credit card some time ago, and it felt good after using it for a while. I'm going to cancel my euro card in China Bank. Now as long as you spend more than five times, you will be exempted from the annual fee, but my card does not have this discount, and repayment is also troublesome. He asked the Bank of China for me, and the cancellation of credit cards must be done in person, and it is during office hours from Monday to Friday. Last week, I cancelled my ICBC credit card. I think a credit card is enough for me. Relatively speaking, ICBC's credit card service is more humanized. You can cancel your credit card at any ICBC, accept it on Saturday and Sunday, and return the remaining money on the card to you one month later. Bank of China is bureaucratic. The remaining money on the card cannot be returned to you in cash, but must be returned to your account in China Bank. And it will take 45 days to return it. Later, I called to know that although you have cancelled the card business, they will not accept it immediately, and after a period of retention, the bank will call you again and ask if you really want to cancel the card or something. Anyway, I advise you to keep your credit card, which may exempt you from the annual fee this year. Who knows that I just cancelled my Euro card not long ago, but I got a new card from China Bank. Later, I called for advice. I just realized that my credit card has expired. If you don't cancel your card at the bank 1-2 months in advance, their bank will take it as your default renewal card and automatically issue you a new card, and the annual fee will be deducted. We used to think that if the credit card expired, we could automatically terminate the agreement. It seems that we really need to look at the relevant credit card usage rules in our spare time. Call the customer representative of Bank of China and ask if you want to deduct the annual fee. She talked for a long time, and the final answer was that she didn't know whether to accept it or not until 45 days later. This is fucking nonsense. Of course I know after 45 days. The purpose of calling is to know earlier. I said, I'm glad your service is so poor. Last week, I cancelled the credit card of China Bank. When I applied for my euro card, I needed a deposit, but my deposit slip was gone. I don't know how long it will take the Bank of China to get my money back.