It takes about 45 days to cancel the credit card, and it will not be officially cancelled until the final bill comes out. When returning the card, the bank asked to wait 45 days before returning the card, because the credit card may still have arrears and cannot be cancelled immediately. In addition to the requirement that there should be no arrears and no balance when canceling the credit card, no matter whether the customer calls or goes to the counter to apply for canceling the credit card, as long as the arrears and other expenses on the credit card account book are paid off at the time of application and there is no overdue or negative record, the credit card can be officially cancelled on the spot and all functions can be stopped.
1. Call customer service to cancel your credit card. You can call the bank credit card 24-hour customer service hotline to apply for card cancellation. When you cancel the card, you can't owe money on the account, and in order to ensure the safety of the account, you must take the card with you when you cancel the card by phone.
Go to the bank counter to cancel your credit card. If your bank credit card is not used or lost, you can only cancel it at the bank's outlets. If there is a new account payable within 45 days (inclusive) after the card is cancelled, it will still be borne by you. After returning the card for 45 days, if the account has no arrears or overflow, the system will automatically close the account without going through any formalities. If the credit card is not activated, there will be no annual fee. Of course, some credit cards issued by banks have an annual fee, even if they are not activated. But after activation, there is an annual fee. If we don't have a good grasp of the status of our credit cards, it may happen that the credit cards have expired or entered the credit blacklist without our knowledge.