Until now, most online banks can't return their cards online, and even many banks can only return their cards by phone, and they need to be confirmed repeatedly. You can cancel it through telephone banking. Basically, ordinary credit cards can be cancelled by telephone banking. Of course, some banks may have trouble persuading cardholders not to cancel their credit cards for various reasons, while some banks will help cardholders cancel their credit cards after explaining the situation.

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There are several points to note when canceling a credit card:

1. Pay off all debts in time. This debt includes bill debt and annual fee. If there is still arrears in the card, forget it and cancel the card directly. After the interest is accrued, the amount reaches a certain amount, and the bank begins to "collect debts"!

2.45 days later, confirm whether to cancel the account. Credit card cancellation is usually handled through customer service, but it was not successful at that time. When the card is cancelled, the account will enter the pre-cancellation state, and it will take 45 working days to know whether the account has been cancelled successfully.

3. Cut off the magnetic stripe when the pin is stuck. If the card is complete, it may be used in some consumer places that only need the card number and do not need to check the information. The best way is to cut the magnetic stripe into several pieces and throw it into different garbage dumps to prevent future troubles!

The specific process of calling card cancellation is as follows:

1. Call the bank credit card center to ask about cancellation, mainly depending on whether your card is suitable for cancellation, whether there is a balance, and so on.

2. Cancel the credit card by phone. After receiving the call, the bank will accept the user's application to cancel the credit card, and deduct the annual fee receivable from all the cards under his account, and the account balance will be zero or the customer will definitely give up the remaining deposit in the account.

3. Go to the bank counter to officially cancel the credit card. The cardholder must bring his ID card and the credit card to be cancelled to the bank to fill out the card cancellation application form. You can collect the card first, and then do the corresponding cancellation procedures one month later, but you can also make an appointment to cancel the account directly on the day of card cancellation.

Credit card cancellation is divided into card cancellation and account cancellation. It is recommended to cancel the account after returning the card, otherwise there may be some problems in re-applying for the credit card. If there are still points in the credit card to cancel, it is recommended to redeem them all before canceling the card; After submitting the application for card cancellation, the cardholder shall not use the credit card again before it takes effect, otherwise the application for card cancellation will be automatically cancelled; After formal cancellation, cut it along the magnetic stripe of the credit card and discard it to prevent theft.