1. Confirm the balance. Determine the remaining arrears and balances, accurate to the minute.

2. Destroy the card and unbind the payment withholding agreement of the payment platform. Note: Do not add new consumption. At this time, it is necessary to check the previous binding records on platforms such as Alipay, WeChat, Meituan, mobile phone automatic recharge or water and electricity withholding, and immediately unbind them to avoid new consumption.

3. Call customer service to confirm the result. The credit card cancellation period is 45 days. Time has passed, call the bank customer service to confirm whether the card is successfully returned.

4. Refusing the card does not mean canceling the account. If it is determined that it is not necessary, it is best to cancel the card and cancel the account at the same time. If you just return your card, you won't be able to enjoy the treatment and preferential treatment of new customers the next time you apply for a credit card from the same bank, and canceling your account can avoid this problem.

Extended data:

It should be noted that the cancellation of the credit card does not mean the cancellation of the account:

According to the Administrative Measures on Customer Identification and Customer Identity Data and Transaction Records of Financial Institutions, bank account information shall be kept for at least 5 years from the year of transaction records. Therefore, after the credit card is cancelled, the account still exists, and the customer can also check the transaction record of this credit card as needed.

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.

In addition, card cancellation is not the same as account cancellation. Some banks will still keep customer information after returning their cards, while account cancellation will delete all customer information. Therefore, it is suggested that cardholders cancel their cards at the same time, which not only protects the safety of personal information, but also enjoys preferential treatment for new customers when they open new credit cards in banks in the future.

People's Network-Credit card cancellation does not mean account cancellation.