Legal analysis: 1. To cancel, you need to notify the guarantor and obtain the guarantor’s consent or relevant certificates, and the cardholder can only cancel with the bank’s consent. Cancellation cannot be made unilaterally. 2. The guarantor of the credit card bears joint and several legal liabilities related to the cardholder. If the cardholder has financial problems related to the credit card, the guarantor also has certain responsibilities.

Legal basis: "Credit Card Business Management Measures" Article 3 The term "credit card" as mentioned in these Measures refers to all commercial banks (including foreign-funded banks and Sino-foreign joint venture banks) within the territory of the People's Republic of China (hereinafter referred to as "commercial banks"). Credit payment instruments issued by banks) to individuals and entities. Credit cards have functions such as transfer settlement, cash deposits and withdrawals, and consumer credit.