If the credit card is not activated, there is no need to cancel it; If it has been activated, the account balance will be cleared under the premise of paying off the arrears, and the card withdrawal process will be completed within 45 days after the application is made.

There is no handling fee for applying for cancellation, and the cancellation of credit cards does not affect the use of other unregistered cards. You can cancel the card by phone, and the cardholder can call customer service to apply or cancel the card at the outlet. Some banks let cardholders take their ID cards and credit cards to any local outlets to cancel their cards.

Extended data:

Credit card limit refers to the maximum amount of credit card you can use, including credit limit (that is, the maximum overdraft limit of credit card) and the amount deposited in the credit card.

The credit card limit depends on the effective income provided by the individual during the application process and the guaranteed value of the assets. The credit limit of a credit card is positively related to the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit.

Therefore, the applicant must provide proof of income and statement of asset guarantee. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.

References:

Baidu encyclopedia-credit card limit