You can't cancel directly without a card. Bank card cancellation process: I take my ID card and bank card to the bank to get the reservation number, and then line up. Explain to the staff that you want to cancel the account, give the bank card to the bank staff and fill out the application form for cancellation. The bank card account has been closed. Supplement: If there is still money in the bank card, you can go to the counter and withdraw all the money when you close the account. If your bank card is lost, you need to get a new card first, and then go through the cancellation procedures. There is a charge for changing cards. For savings cards, if they are not used for a long time, they will generally freeze automatically and will not affect personal credit records. If the credit card is not used for a long time, it will not be frozen automatically. At the same time, it may be due to the annual fee. When you cancel your credit card account, you must withdraw the balance on the card and make sure that there is no debt on the card. After successfully canceling the bank card, it will not affect future applications.

1. After the successful cancellation of the credit card, if the personal credit card is affected due to negligence, it will bring some trouble to apply for a credit card in the future. Because the cancellation process of the bank card includes the card cutting process, the bank card cannot be cancelled. Usually, if the cardholder wants to cancel the credit card, he needs to confirm that the credit card to be processed has no arrears, and then he can call the credit card customer service hotline on the back of the credit card. After verifying the identity, the staff cut the card face to face and returned the card. You can't cancel a bank card without a card. However, it is necessary to ensure the security of bank cards and not dispose of them at will, so as to avoid bank cards being stolen. If the savings card is not used for a long time, the bank will take the initiative to clean it.

2. Different banks have different regulations. Some savings cards will not be liquidated if they are not used for 2 years, and some will not be liquidated until 5 years. Banking supervision laws and regulations vary greatly. If the bank card is idle, it should be properly solved by the card issuer. But in fact, different banks want to confuse this issue. Some banks require the bank to charge an annual fee for debit cards 10 yuan. If the balance is not enough to form arrears, the arrears can only be cancelled after the arrears are made up; Some banks stipulate that sleep card will automatically cancel; Another bank said that although it will not be automatically cancelled, debit cards do not charge annual fees and small account management fees, and users can cancel at any time.

3. Even the same bank has different supervision in different regions, and even the telephone customer service and tellers of the bank have different opinions. Bank cards are idle and there are many hidden dangers. Bank supervision is chaotic, and some users are too lazy to look back. Although the bank card is idle, it also has many hidden dangers: the loss of private information. When opening an account, our personal information will be stored on the magnetic stripe of the bank card. If it is not handled properly, it will inadvertently cause the loss of private information. Therefore, unused bank cards cannot be thrown away directly! Accumulated excess annual fee. Many bank cards will generate annual fees after opening. If it is not used for a long time, an extra annual fee will be accumulated.