If a credit card is canceled, there will generally be no post-loan management. After canceling the credit card, no fees will be incurred, so the user does not need to repay the loan. Generally, there is no repayment record, and the bank will not query the user's credit report for post-loan management. After canceling the credit card, the previous records will still be saved in the personal credit report.

For normal credit cards, the bank will regularly check the user's credit status through post-loan management, so as to understand the user's personal loan repayment situation and control loan risks