Make sure that the credit card overdraft has been paid off before closing the account. Can I call or go to the bank?

When you cancel your account by phone, you can ask if there are any extra expenses, such as unpaid bills, to avoid unnecessary expenses. A cancelled credit card can be reactivated within a specified time, usually within three months.

Don't choose to cancel the card unless it is particularly necessary, because it will leave a bad impression on the bank. Even after six months, the possibility of rejection is still higher than other applicants, and the rejection rate is relatively high.

Extended data:

When the unit cancels the account, it must check the balance of the deposit (loan) account with the bank, and then settle the deposit (loan) balance with the relevant documents issued by the unit, and return all kinds of blank and important documents. After the account is cancelled, all problems arising from the failure to return blank important vouchers shall be borne by the account cancellation unit. When a current savings depositor wants to cancel his account, he should take out his passbook and cancel it.

If you don't intend to continue using credit cards, you must do so. If the account is not closed, the bank will charge an annual fee for the credit card. If the card is not overdrawn, you can apply for account cancellation at any time.