First, when you don't want to use a credit card, you just need to pay off the debt, and then call the bank customer service or cancel the account at a bank outlet.

Second, how to cancel the credit card:

1. Account cancellation conditions: Under normal circumstances, if your credit card debt is not paid off, or the annual fee is not paid, or there is a balance, you can't close the account.

2. Cancellation methods: telephone banking cancellation, bank counter cancellation and designated bank business hall cancellation.

Third, friendly reminder: it is not recommended to cancel the credit card casually.

Credit card is one of the manifestations of personal credit. At present, the annual fee of credit card is very low. As long as you swipe your card several times a year, you can avoid the handling fee for the next year. This is easy to handle. You don't have to cancel your card for the annual fee.

Of course, some people may forget to pay back the money owed by their credit cards, resulting in credit problems, and the bank also requires you to cancel your cards. Note that as long as you pay back the money you owe the bank and keep a good credit record in the future, you will be fine naturally. If you cancel your credit card, you can't apply again next time.

Of course, you should learn to use credit cards rationally and swipe them rationally. If you can't control your random card swiping behavior, you'd better cancel it.