The card can be canceled, but if it has been activated, you should apply for cancellation on the premise of paying off the debt; if the card has not been activated, you can just cut it off and throw it away without canceling it. , generally no annual fee will be charged and will not affect credit (except for special cards such as platinum cards).

How to cancel a credit card:

1. Confirm the balance. Determine remaining arrears and balances to the nearest cent. If you really are not sure, you can also go to the counter. Unpaid balances cannot be written off. In addition, if you have extra money, the bank will ask you to provide a savings card from your own bank and transfer the excess money to Debit card account.

2. Destroy the card and untie the payment and withholding agreement of the payment platform. When logging out, customer service will teach you how to cut off your credit card, and will also remind you not to make new purchases. At this time, we need to check the previous bindings on Alipay, WeChat, Meituan, mobile phone automatic recharge or water and electricity payment withholding and other platforms one by one. Set the record and cancel the binding immediately to avoid new consumption;

3. Call customer service to confirm the result. The credit card cancellation cycle generally takes 45 days. After that time, call the bank’s customer service number to confirm whether the card cancellation is successful.

Extended information:

Account cancellation rules:

1. There is no arrears in the unified account. If there are arrears, the arrears must be settled first.

2. Prepaid users who have participated in contract plans, deposit bonuses, deposit gifts, etc. and have relevant agreements with China Unicom cannot handle account cancellation during the agreement period.

3. Prepaid users who have registered with their real names during the validity period, recharge period, and lock-in period can go to the business hall to handle account cancellation.

4. Postpaid packages should implement "pre-disassembly", that is, customers pay in advance.

5. For out-of-service insured users whose pre-stored phone charges are zero and who have not paid bills for three consecutive months, the account will be canceled starting from the fourth month.

6. Settlement of relevant expenses in the original owner’s account in accordance with financial regulations.

Baidu Encyclopedia-Cancellation