The cardholder can terminate the card membership by either calling the call centre or by giving a written request for cancelling the card membership to United Bank Credit Card Cell. The membership will be terminated only on receiving the outstanding balance on the credit card in entirety. The add-on cards will be automatically terminated on termination of the primary card. Once the written request is accepted the card has to be cut diagonally to complete the procedure. No joining fees or annual fees will be refunded for the broken period.