Most card issuers allow you to cancel a credit card with a balance, but you will need to make provisions to pay any outstanding debt. The card issuer will often have an online form or a helpline number for you to cancel your card. This process will typically involve providing details for a balance transfer or another card so the remaining balance can be paid. This will allow you to have an up to date figure, including the latest interest calculations, so you know exactly how much you need to pay to bring the card balance down to zero. At this point the card will be officially canceled and your credit card account will be closed.