Credit card cancellation and account cancellation are two concepts. If you want to completely cancel the credit card account, you need the cardholder to explicitly request the bank to cancel the account, otherwise the bank will generally cancel the credit card and keep the cardholder's account information.

When you completely cancel your credit card account, please note the following points:

1. Settle the arrears in time before closing the account: you must pay off all the arrears before closing the account, and don't go through the formalities of closing the account without settling the arrears, otherwise the account closing will probably fail;

2. Cancel all credit cards before closing the account: if there are other credit cards in the same bank, it is generally not possible to close the account;

3. After the expiration of the valid period of account cancellation, go to the bank to confirm whether the account cancellation is successful: in order to ensure that the user does not owe money when canceling the account, the account cancellation application generally takes effect after 45 days, and the cardholder should contact the bank 45 days after applying for account cancellation to confirm whether the account is completely cancelled.

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