When canceling the card, you can ask customer service to inform you whether the first-year annual fee has been waived. At the same time, check whether there is any arrears. Then cancel the card, and after 45 days, call again to verify. If the other party replies to cancel the card after 45 days, there will be no problem. Customer service can be trusted to handle all business, and the phone calls are also recorded. You don’t have to worry about problems. If something goes wrong, CITIC will be fully responsible. If you are still not at ease, go to the local People's Bank of China to check your personal credit record after 45 days. There will be information about your credit card application and whether the account has been closed. I will bring my ID card with me.