The scope of credit card cancellation is relatively wide. In fact, there are still great security risks after canceling a credit card. Credit card cancellation generally takes 45 days from the time the card is proposed to the official cancellation. Within 45 days, the cardholder needs to settle all outstanding balances. So, what should I do if a refund occurs after the credit card is canceled?

What should I do if a refund occurs after the credit card is canceled?

1 Pre-cancellation period

Credit cards have 45 days During the settlement period, you can receive refunds normally, and the refund will be refunded to the credit card account in the same way. Cardholders can choose to swipe the card to spend or withdraw the refunded money, and there will be a fee for withdrawing the refunded money as overpayment.

2 Cancellation is successful

If the card is canceled and the account still exists, the refund will be refunded to the personal credit card account. In this case, you need to go to the card department to restart the credit card. Withdraw money from the card or make purchases using the card. If the account is closed, the refund will be returned via the original route. It is recommended to contact the customer service of the card-issuing bank to help check the transaction details and check the refund status.

In general, credit card refunds will be recorded and cannot be canceled successfully if they are not processed in time. If a refund occurs after a credit card is cancelled, you must first check the cancellation status of the credit card, whether it is in the pre-cancellation period or has been successfully cancelled. Counting from the date of cancellation application, the period is only a pre-cancellation period. If the cancellation is not successful, the refund will be refunded directly to the credit card.