According to the regulations of the issuing bank, the balance in the credit card must be settled before the account can be closed. The bank staff has told you that you can withdraw the excess balance from the credit card before applying for account cancellation. However, you need to pay the minimum handling fee of 10 yuan to withdraw cash by credit card, and the money in 8 yuan is not enough for you. Therefore, it is recommended to use WeChat or Alipay to bind the credit card for online payment, and then cancel the account.