Whether the credit card is overdue or overpaid, it cannot be cancelled, and the system cannot cancel it manually. However, users can take out the overpaid part first, then call the customer service phone of Bank of Communications to apply for pre-cancellation, and go to the bank for formal cancellation procedures within the time specified by the bank.

The safest way for cardholders is to report the loss first and then cancel it, because the credit card articles of many banks stipulate that the losses before the loss of credit cards are borne by the cardholders, and the losses after the loss report takes effect are borne by the cardholders.

Extended data:

After the transaction payment, overdraft principal and interest and expenses are all settled, the account can be cancelled in accordance with the relevant regulations of the issuing bank. Most of them need to call credit card customer service, but there are also very few banks that can handle it at the counter. However, the customer service of BOC told the reporter that the counter handling procedures are complicated and time-consuming, and it is recommended to handle them by telephone.

Under normal circumstances, you can't use the card immediately after closing the account, but there is still a certain date for officially closing the account. The account cancellation of CITIC Bank and Bank of Communications takes effect on the same day, 45 days after the account cancellation of China Bank, China Agricultural Bank and China Construction Bank, 30 days after the account cancellation of Industrial and Commercial Bank, 5 working days at most, 3 working days after the account cancellation of Shanghai Pudong Development Bank, 0/0 working days after the account cancellation of Huaxia Bank and 0/0/month after the account cancellation of China Everbright Bank.

References:

People's Network-Credit card cancellation trouble, overpay, be careful to lose the handling fee.