You need to pay attention to the following three points: 1. Pay off the debt and apply for cancellation: If there is excess money in the card, you can go to the bank counter to cancel it, and the bank will help you transfer the excess amount to the bank for debit. card;

2. After applying for cancellation, fold the credit card in half to avoid being stolen by criminals and causing financial losses;

3. Call the bank customer service after 45 days to confirm whether the account has been completely cancelled. .

Generally, after a credit card is canceled, the cardholder can reuse the credit card as long as the cardholder applies for it within a certain period and passes the bank assessment. There are three reasons for the bank's "delay strategy": first, if the cardholder cancels successfully, it means that the bank's card issuance cost of 150-200 yuan will be in vain; secondly, the bank hopes to gain active users who can make profits, even if they just use the bank's free card issuing service. interest period; finally, during the card cancellation process, the bank will try its best to retain them, hoping to retain loyal users among cardholders who are willing to cancel their cards.