Returning the card and canceling the account are two different things. Cancelling a credit card is a card cancellation. If you want to cancel your personal information, you need to take your ID card to the corresponding bank to cancel your account. Because there can be multiple credit cards under an account, it is certainly impossible to cancel the account by eliminating one credit card.

Moreover, credit cards have overdraft function, and banks bear greater risks. Financial institutions also have strict management of credit card accounts. The account information of each credit card will be backed up in China People's Bank, and even if the account is cancelled, its original information will be saved.

In other words, once a customer registers a credit card, this account will always exist, all information about this card will be stored in the financial department as required, and the credit record of the cardholder will always be kept.

So it's legal.

Extended data:

Credit card cancellation method:

1. Call the bank credit card center to inquire about cancellation, mainly depending on whether your card is suitable for cancellation and whether there is a balance.

2. Cancel the credit card by phone. After receiving the call, the bank will accept the user's application to cancel the credit card, and deduct the annual fee receivable from all the cards under his account, and the account balance will be zero or the customer will definitely give up the remaining deposit in the account.

3. Go to the bank counter to officially cancel the credit card. Must carry a prepared ID card; Application form; Cancel the credit card. Go to the counter to get the card transaction, and then wait a month to cancel the transaction.

The first step to cancel the account is to receive the card, and then do the corresponding cancellation procedures one month after receiving the card, but you can also make an appointment to cancel the account directly on the day of card cancellation. So you don't have to go to the outlet after waiting for a month. The balance on the card will be directly transferred to the card after 1 to cancel the account at that time.