The cancellation process is as follows:

1. Call the bank customer service phone to apply for cancellation of the credit card. Note that at this time, bank customer service will generally retain you. If you decide to cancel the card, don't listen to him "fool" and insist on canceling it.

2. There will be a settlement period of 30 -45 days from the telephone application for cancellation to the formal cancellation. Never use a credit card again in the meantime.

3. 40 days after the cancellation, call the bank customer service to confirm whether the cancellation is successful, so as to avoid leaving a bad record for yourself because of the unsuccessful cancellation for special reasons.

4. Don't throw away the cancelled credit card everywhere. Cut the magnetic stripe and discard it to avoid being picked up by criminals and causing losses to yourself.

Extended data

For customers, if they plan to return the card, it is best to unlock the card in advance and it takes time to return the card. Leave time to return the card before the next annual fee collection to avoid paying an extra annual fee.

This export card is not the same as account cancellation. Some banks will still keep customer information after canceling the card, and delete all customer information after canceling the account. Therefore, it is suggested that cardholders cancel their accounts while returning their cards, which can not only ensure the safety of personal information, but also enjoy the preferential treatment for new customers when banks open new credit cards in the future.