It is understood that credit cards have overdraft function, banks bear greater risks, and financial institutions have strict management of credit card accounts. The account information of each credit card will be backed up in China People's Bank, and even if the account is cancelled, its original information will be saved. In other words, once a customer registers a credit card, this account will always exist, all information about this card will be stored in the financial department as required, and the credit record of the cardholder will always be kept. It is precisely because the cancelled credit card still has huge risks, so the bank suggests that the cardholder, after the normal account cancellation procedure, the customer should also destroy the credit card entity, and the easiest way is to cut the magnetic stripe. Credit card cancellation should be "three attentions". Credit card cancellation does not leave a "tail". Whether through telephone banking or going to the bank counter, in addition to preparing the relevant proof card, you must also ensure that there is no debt in the card. If the deposit amount is small and unnecessary, you must explain it to the staff and ask for a refund. After the credit card is cancelled, you can't just throw it around. The cancelled card also contains a lot of personal information. You can use it in some places where you only need the card number. Don't throw it around. If there is no need for collection, the magnetic stripe should be cut out and handed over to the bank counter for special crushing. If you want to be lazy, at least cut the magnetic stripe into several sections. After 46 days, you have to call the bank to inquire about the cancellation, whether it is by phone or at the counter, and the cancellation is really successful after confirmation.