China Bank's cancellation of credit cards is divided into two situations, the specific analysis is as follows:

1. If the user does not owe money, the credit card of China Bank will be cancelled without interest.

2. If the bill in the card is not paid off after the user cancels the card, the interest will be calculated by stages. The overdraft interest calculated according to the actual amount owed and the actual number of days owed from the transaction bookkeeping date is 0.5 ‰ of the daily interest rate, with monthly compound interest.