If you are cheated to apply for a credit card, you can check your card processing progress first. If the customer service of the issuing bank tells you that your card application failed, don't worry. It doesn't matter if the audit doesn't pass, even if the card is issued, because this credit card is invalid, the cardholder can't use it, and there will be no cost. If the customer service of the issuing bank tells you that it has been approved, the cardholder can cancel the card at the bank counter with his ID card and credit card. After account cancellation, the cardholder will be a new user when he applies for a credit card next time, and he can also enjoy the rights and interests of new users. If the cardholder's credit card has been used for a period of time, but he regrets it, he can also apply for cancellation of the card and account. However, it must be noted that the cardholder must pay the bill and annual fee in full before canceling the card, otherwise the credit history of the cardholder will be affected.