When canceling the credit card, the cardholder should pay attention to the fact that canceling the credit card does not mean that the arrears have been settled. If the cardholder has outstanding debts before canceling the credit card, the bank still has the right to ask the cardholder to pay off the debts. Moreover, if the cardholder continues to repay the outstanding debts after canceling the credit card, it will affect his personal credit record, which will further affect his future credit lending and application for credit cards from other banks.
Credit card cancellation is a very important financial behavior, which needs to be treated with caution. Before canceling the credit card, the cardholder should know his own actual situation and comprehensively review the information and terms on the card, such as arrears, fees and limits. , in order to avoid misoperation. At the same time, the cardholder should also negotiate with the bank to withdraw from the agreement, make reasonable arrangements for repayment in good faith, and maintain a good credit record and credit evaluation. After the cancellation of the credit card, the cardholder should settle the arrears in time to avoid unnecessary economic losses and negative credit impact.