Banks are to retain customers. Every customer service should be persuaded in accordance with the regulations when encountering such a thing. Generally, the first thing to ask is why the card is cancelled. It's a bank policy. You can cancel the card only after persuasion fails. Because the call is recorded, the bank will sample and listen to the recording when counting the data related to card withdrawal, which is also one of the means to assess customer service. If it is found that a customer service has not advised the normal cardholder to return the card, it is necessary to assess him. In order to cooperate with the customer service, the customer service has the right to reduce the annual fee or send points. Pufa students generally don't. Unless it's a quality customer.