No matter whether the customer calls or applies for cancellation of the credit card at the counter, the credit card can be officially cancelled at that time and all functions will be stopped only if the arrears and other expenses on the credit card book are paid off at the time of application and there is no overdue or negative record. However, if the customer has unpaid related expenses or overdue repayment, it will generally take about 45 days before the final bill comes out before the card can be officially cancelled. Although the credit card has no consumption function within these 45 days, the functions of saving money in it still exist.

some people in the industry said that besides the 45-day "clearing period" for card cancellation, we should also pay attention to the difference between card cancellation and account cancellation. After handling a credit card, the bank will set up a bank account according to the cardholder's information. The card is only a manifestation of the account, and canceling the card does not mean canceling the account. If you only cancel your card, you will not be able to enjoy the treatment and preferential treatment of new customers if you apply for a credit card from the same bank next time, and you can avoid this problem by canceling your account. Therefore, it is recommended that you cancel the card and it is best to cancel the account corresponding to the card.