There are two main ways to cancel a Hua Xia Bank credit card, over the phone and at the counter. First, you can cancel by calling the customer service hotline of Hua Xia Bank Credit Card at 4006695577. Customer service will ask for some necessary information on the phone, such as credit card status, account balance, and whether there are any outstanding debts. After confirming that you meet the conditions, they will accept your cancellation application. If you choose to apply at the counter, you need to go to the bank in person with your ID card and the credit card that needs to be canceled to fill out the cancellation application form. Typically, you will receive a cancellation notice and then wait for a processing period of about a month. However, you can also make a same-day appointment.

During the cancellation process, please pay attention to the following matters: First, after the cancellation application is successful, there is usually a 45-day "card cancellation period". During this period, you must ensure that all arrears are settled, otherwise it may affect you credit report. Also, even if the credit card is canceled, keep the portion of the magnetic strip safe as this contains your personal information. It is recommended to cut and scrape the magnetic strip after logging out to protect your privacy. This way, you can ensure a smooth credit card cancellation while avoiding potential risks down the road.