It is best to call the customer service of the card-issuing bank, or go to the counter directly. If your card already shows that the card has been collected, there are several possibilities. One is that you call customer service and ask to cancel the card, and the bank will display that the card has been collected. The other is that because you have not used it for a long time, the card already owes the annual fee or The bank will charge the late fee on your behalf, but this card may affect your personal credit. Also, if you go to the bank yourself and ask to cancel the card, bank staff can only collect the card for you at that time. You must go to the original card-collecting outlet in person one month later with your ID card to cancel the card.

A credit card is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the specified credit limit. The so-called credit card generally refers to a credit card only.