2. As long as the user applies for a credit card successfully, it will be recorded in the credit report. As long as the user's personal information is uploaded to the credit report, the account information of the credit card will always exist in the credit report after the credit card is cancelled, and this record will not disappear with the cancellation of the credit card. However, the credit card cancellation record will be overwritten after 2 years and cleared automatically after 5 years.

1. Call the bank phone on the credit card face, transfer to manual service according to the voice prompt, and apply to the bank staff for cancellation of the credit card. General bank customer service will advise you to continue to use credit cards. If you insist on canceling the card, be tough. The bank will review the credit card applying for cancellation to see if it meets the cancellation conditions. If it meets the requirements, the bank customer service will accept the user's cancellation application.

2. It usually takes about 45 days for a credit card to apply for account cancellation by telephone to be officially cancelled. During this period, users should not use the credit card again. After 45 days of credit card cancellation, please call the bank customer service hotline again to confirm whether the credit card cancellation is successful.

3. After confirming that the credit card has been cancelled, the user cuts the credit card into pieces and then discards it.

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