Yes, you can wait until the credit card center calls to confirm that you don’t want to apply, or you can wait until the card is mailed and not activate it.

Credit card cancellation process:

Step 1: Determine the card to be canceled

If you want to cancel a credit card, the first step is to determine which card you least like. If necessary, sort the cards based on the frequency of use, and select sleep cards and credit cards with relatively low frequency of use as the primary "cleaning" targets. This way, you can no longer suffer from the accounting chaos caused by too many credit cards. It can also effectively avoid unnecessary annual fees and interest payments.

Step 2: Clear the card and make sure you don’t owe too much

After you have selected the card, before canceling the card, you must first confirm whether the card still has unpaid debts. If you are not sure whether there is still a fraction of the balance after repayment, you can call the card issuing bank and ask what other precautions you should pay attention to with this marketing card. If you have any debt, you must pay it off first; if there is still money left on the card, go to the supermarket to clean it up before canceling the card.

Step 3: Handle points properly and don’t waste them

Banks generally manage credit card customers by account, with one name and one account. The credit cards under this account, except for some special Except for cards, such as airline cards and some designated city cards, points can be used universally.

If you only have this one credit card from this bank, then you can first find out if this bank has any newly launched credit cards that you are interested in. If so, you can apply for it first. For a new card, transfer the points from the old card to the new card and then cancel it, and the points will be retained.