The cardholder holds two or more credit cards (personal card master cards), of which the maximum credit limit is the total credit limit of the cardholder, and each credit card has a credit limit respectively. The sum of the credit limits of all credit cards of the cardholder shall not exceed the total credit limit.
As long as another credit card is not activated, there will be no charge. In addition, the credit card cancellation account must take out the balance on the card to ensure that there is no debt on the card. Therefore, the arrears must be paid off.
Extended data:
If you only have one credit card in a bank, the cancellation of the card is the cancellation of the account, and you don't have to handle it twice.
If you are not at ease, you can ask the customer service of the bank when you return the card. If you don't cancel it together, I suggest you cancel your bank credit card before applying for account cancellation.
Because if you just return your card, you won't be able to enjoy the treatment of new customers the next time you want to apply for a bank credit card; Closing your account will clear your account information in the bank, so if you apply for a credit card after a while, the bank can give it a discount for new customers.
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 your card has not expired when you cancel your credit card account, some banks stipulate that you need to go to the designated outlets to receive the card, and then go through the formal account cancellation procedures after a certain period of time (up to 30 days).
References:
Baidu Encyclopedia-Measures for Customer Management of Financial Institutions