Whether a credit card needs to be cancelled depends on personal needs and account status. First of all, you can call the 24-hour online manual customer service phone for cancellation, but only if there is no debt in the credit card and the card is in hand to ensure the security of the account. If these conditions are met, the customer service will guide you to complete the card cancellation process.

Another common way is to go directly to the bank counter, which can avoid misunderstanding in telephone communication and be more intuitive and clear. The credit card account will be officially cancelled 45 days after processing and there is no overdue deposit, without additional formalities.

if you stop using your credit card, remember to close your account in time, otherwise the bank will charge an annual fee. If the card has not expired, you need to apply first and wait for a period of time; If the card has expired and the balance is zero, you can handle it directly at the designated outlets. When closing an account, you need to bring your ID card and card. If someone else does it for you, you need to provide the power of attorney and the agent's certificate.

It is worth noting that if there is a manual credit card transaction or consumption abroad before the account is closed, it may take some time for the bank to settle. Generally speaking, according to your usage and bank regulations, choose a reasonable cancellation method to ensure the normal closure of credit card accounts.