First, you can give up a small amount of balance in the card. According to industry insiders, if the balance is below 100 yuan, consumers can cancel their credit cards directly if they want to give up. For consumers with only a few cents left in their cards, if it is too troublesome to settle the balance, they can give it up directly.
Secondly, the excess balance can be directly spent by credit card. The bank staff suggested: "If you want to cancel your credit card, there are still dozens of dollars on your card at this time. You can go directly to the supermarket to brush off these balances, so as to avoid being charged a handling fee through cash withdrawal or transfer. "
In addition, some banks can directly help customers settle accounts after they apply for account cancellation, without charge. The customer service staff of a joint-stock bank said that in addition to directly brushing off the excess balance in the credit card, customers can also apply for account cancellation first. After 45 days of applying for account cancellation, customers can go to the counter to check out. At this time, the customer does not need to pay the handling fee.
You'd better think carefully before canceling, otherwise it will be difficult to apply again in the future.