Bank credit card cancellation is not the same as account cancellation, and account information is still kept for 5 years. This is also the reason why there are frequent news reports that several tens of yuan of interest will be generated after the cancellation of credit cards for three years. According to Article 29 of the Measures for the Administration of Customer Identification and Customer Identity Data and Transaction Records of Financial Institutions, financial institutions shall keep customer identity data and transaction records according to the following time limits:
(1) Customer identity information shall be kept for at least 5 years from the year when the business relationship ends or the year when the one-time transaction is recorded.
(2) The transaction records shall be kept for at least 5 years from the year when the transaction is recorded.
In other words, bank account information will be kept for at least 5 years from the year when the transaction is recorded. Therefore, after the credit card is cancelled, the account still exists, and the customer can also check the transaction record of this credit card as needed.
When canceling the credit card, it may happen that the credit card is not recorded in time after consumption, resulting in some customers' credit cards still in arrears, which will generate "invisible" interest for a long time. Therefore, when the customer cancels the credit card, it is best to call the customer service phone of the bank about 40 days after the card cancellation to confirm whether his account has been cancelled successfully, so as to avoid trouble in the future.
Extended data:
As long as the bank credit card has been cancelled, it will not affect, but it needs to be cancelled in time after the card is cancelled. Because the cancellation of a credit card is not the same as the cancellation of an account, if the account is not cancelled after the card cancellation, the credit information will be retained for five years. Only after canceling the credit card account can it be considered as a real cancellation.
If you plan to return your card, you'd better unlock it in advance and it takes time to return it. Leave time to return your card before the next annual fee collection to avoid paying an extra annual fee.
In addition, card cancellation is not the same as account cancellation. Some banks will still keep customer information after returning their cards, while account cancellation will delete all customer information. Therefore, it is suggested that cardholders cancel their cards at the same time, which not only protects the safety of personal information, but also enjoys preferential treatment for new customers when they open new credit cards in banks in the future.
People's Network-Credit card cancellation does not mean account cancellation.
Baidu Encyclopedia-Customer Identification of Financial Institutions and Preservation of Customer Identity Data and Transaction Records