It takes about 45 days to cancel the credit card, and it will not be officially cancelled until the final bill comes out. When returning the card, the bank asked to wait 45 days before returning the card, because the credit card may still have arrears and cannot be cancelled immediately.

In addition to the requirement that there should be no arrears and no balance when canceling the credit card, no matter whether the customer calls or goes to the counter to apply for canceling the credit card, as long as the arrears and other expenses on the credit card account book are paid off at the time of application and there is no overdue or negative record, the credit card can be officially cancelled on the spot and all functions can be stopped. ?

When you want to cancel your credit card, I suggest you check your personal credit first. If there is no bad record, no debt paid off, and no other business being applied for, you can directly apply to the bank for cancellation of your credit card. The specific cancellation process can be inquired in official website Bank.

Extended data:

First, we should pay attention to the cancellation of the card. Because some banks will charge account management fees if they don't handle the account cancellation procedures in time. In addition, the next time you apply for a bank credit card, you won't be able to enjoy the treatment of new customers without canceling your account. Under normal circumstances, the bank will not cancel the account immediately after receiving the customer's cancellation, and it will take some time. During this period, the bank will check whether the credit card is in arrears, and it will take some time to confirm, usually about 45 days. After closing the account, it is best to call the bank customer service phone one month later to confirm.

Second, remember to destroy the credit card after cancellation. After cancellation, credit card, cash withdrawal and online banking can't be used, but one situation can still be used: on the plane or cruise ship, because there is no credit card limit, the bill is manually pressed, that is, the protruding part of the credit card number is pressed on the document as the transaction voucher.