After the credit card is activated, there is no time limit for cancellation, and you can apply for cancellation immediately. However, it should be noted that if you use a credit card or deduct the annual fee, the account will not be successfully cancelled because there are still outstanding bills. Before canceling the credit card, you must pay off the arrears and take out the overpayment on the credit card.

After a user submits a credit card cancellation application, the issuing bank usually does not cancel the credit card immediately, but will give a 45-day settlement period to see if there is a new bill increase. It is not until 45 days later that there is no arrears or overpayment on the card that the bank will officially cancel the card.

Do I have to go to the bank to activate my credit card in person?

Credit card activation Whether I go to the bank depends on whether I apply for the first credit card. If the user applies for the first credit card, the bank requires the user to sign and activate it in person at the outlet, and must do so in person. If the user does not apply for the first credit card, it can be activated through other channels, and the user does not need to go to the outlet to activate.