If you don't have a credit card with overdue repayment record and don't want to use it, just call the credit card customer service number on the back of the credit card and transfer it to the manual customer service to apply for cancellation of the credit card. The credit card will be automatically cancelled 45 days after applying for account cancellation in the state of no debt and no balance.

However, if there is a credit card with overdue repayment record, unless the issuing bank stops the card, the cardholder should not take the initiative to apply for cancellation of the credit card with bad credit record, because the retention period of personal credit record is 5 years. As long as you keep using this credit card, after 5 years, the bad credit record will be covered by the new credit record, and the bad credit record will be gone; Once cancelled, there is no new credit record, and the bad credit record will exist forever.