1. Pre-cancellation account: When the cardholder applies to the bank for account cancellation, the bank will check his credit card account first. If the account shows that there is no debt, the bank will close the account for him. Credit card cancellation has a liquidation period of 45 days, which is to prevent some overdraft bills from being delayed, that is, merchants will ask for money after cancellation.
2. Official account cancellation: If it is confirmed that the cardholder's account has no arrears within 45 days after account cancellation, or the cardholder has returned all the arrears, the bank will officially cancel the account for the cardholder.
Like the above friends, after canceling the credit card, they were still reminded by the bank to repay, and some overdraft bills came late, that is, they were asked for money by the merchants after cancellation. In other words, his credit card is only a pre-cancellation account, not a formal cancellation account. & gt& gt& gt Correct card withdrawal posture for credit card cancellation
Although his credit card can't be swiped at this time, because the account has not been officially cancelled, the cardholder can still log in to the online bank to check the account information. If debts are incurred due to the situation of merchants, they must be repaid on the last repayment date (inclusive), and the bank will officially cancel their accounts after the debts are paid off.
In view of the depth of the credit card cancellation routine, many friends still have many questions about this credit card cancellation, such as whether there is a charge for cancellation, and what conditions need to be met for credit card cancellation. & gt& gt& gt Will there be a charge after the credit card is cancelled?
There is no handling fee for credit card cancellation. Cardholders can apply for account cancellation through outlets, online banking, customer service hotline and other channels. The most basic premise of credit card cancellation is that the account arrears are all settled. The bank will cancel the card for the cardholder when it is confirmed that there is no arrears. 45 days after the card is returned, the cardholder had better call the bank to officially cancel the account before the card can be successfully returned.
It is worth reminding that the credit card can still be restored after cancellation, but you must apply for a new card at least two months before the validity period of the credit card. For example, your credit card expires in July 2065 438+2007, and you need to apply on May 20, otherwise you can't apply for a new card.
In addition, within 6 months after the credit card is officially cancelled, you can also apply to the bank for a new card. If it is more than 6 months, you can't apply for a new card, and you need to apply for a new credit card.