There is no time limit for credit card cancellation. Many people just cancel the new card they have just applied for without using it. If it is a credit card that is currently in use, you can directly call the credit card customer service hotline to cancel it, or you can directly bring your ID card. It is very convenient to go to the bank counter with your credit card to cancel.

Before canceling a credit card, it is best to pay off all the outstanding balances on the card without overpayment. It is best to confirm before applying that there will be no additional annual fee. If it is charged, you can swipe the card more times. After reaching a certain number of times, the annual fee will be waived. Before canceling the card, you need to use the points in your credit card. These points can be redeemed for your favorite products in the points mall.

After submitting a cancellation application for a normally used credit card, you will no longer be able to use the card for consumption. If the cancellation by credit card consumption will fail, you can generally call the credit card hotline 45 days after submitting the application to confirm. After successful cancellation, you can cut the card to prevent malicious people from taking advantage of it.

Credit card cancellation is divided into account cancellation and card cancellation. If you just cancel the card and want to use this bank’s credit card in the future, you can directly ask the bank to issue a new card without submitting any materials; if you choose to cancel the card, you can directly ask the bank to issue a new card without submitting any materials. If you want to apply for a credit card from this bank again later, you must resubmit the application materials. Only after approval can you have a new card.

If an individual cancels a credit card just because the limit is low, there is no need to cancel it. As long as you use the credit card more often, you can increase the credit limit. When using it, you must pay it back on time. The bank will not cancel the overdue repayment. It is helpful to increase the limit, and using the temporary limit of the credit card more often will also help to increase the limit.

Note: Generally, newly applied credit cards can apply for a temporary limit after 3 months, and a fixed limit after 6 months. Generally, you can apply by calling the credit card customer service hotline. The bank usually takes about 10 days for approval.