If you don't intend to continue using credit cards, you must do so. If the account is not closed, the bank will charge an annual fee for the credit card. If the card is not overdrawn, you can apply for account cancellation at any time. If the card has not expired, you need to apply first, and then go to the bank to cancel the account after a certain period of time.

If the card has expired and the account balance is zero, you can directly cancel the account at the designated bank outlet. When closing the account, you should bring your valid ID card and the original card. If it's not convenient for me to close the account, someone else can help you. The agent must hold the power of attorney written by the principal (himself) and bring the original valid identity certificate to handle the account cancellation business.

If the card has not expired when the credit card is cancelled, some banks stipulate that it is necessary to go to the designated outlets to handle the card collection business, and then go through the formal cancellation procedures after a certain period of time (up to 30 days).

Extended data:

If the cardholder has done a manual card pressing transaction before closing the account, the cardholder has closed the account without the merchant submitting the card pressing form to the bank for entry, resulting in the bank's failure to settle the account normally; On the other hand, if the cardholder is in consumption abroad or withdraws cash, it may take several days to settle the account. If the account is closed immediately, it will also affect the normal liquidation of the bank.

After the account is cancelled, all problems arising from the failure to return blank important vouchers shall be borne by the account cancellation unit. When a current savings depositor wants to cancel his account, he should take out his passbook and cancel it.

Baidu encyclopedia-account cancellation