Xiao Du has two credit cards belonging to the same bank. At the beginning of last month, Xiao Du cancelled one of them which was not used frequently. Two days ago, she asked her boyfriend to go to the bank to pay back the credit card. I didn't expect her boyfriend to mistakenly deposit the money on the cancelled card when using the ATM machine. "But it actually succeeded." Xiao Du feels very strange. According to the interview, this situation of Xiao Du is mainly caused by the "time difference" between the application for card cancellation and the effective cancellation. Yao Tingting, head office of Industrial Bank, said that 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 all the expenses such as arrears 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. "In addition to the 45-day' clearing period' for card cancellation, we should also pay attention to the difference between card cancellation and account cancellation." Li Hongmei, the personal finance department of Tianjin Branch of Bank of Communications, said that after handling a credit card, the bank will set up a bank account according to the cardholder's information, and the card is only a manifestation of the account, but 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. "So I suggest that you sell the card and it is best to sell the account corresponding to the card." (Jiang Hao)