There are two stages to cancel a credit card account: when a "pre-cancellation account" and a "formal cancellation account" cardholder applies for cancellation, if the account shows that there is no debt, the bank can cancel the account for him, but this is a pre-cancellation account, in order to prevent some overdraft bills from arriving late, that is, the merchant asks for money after cancellation.
Although the credit card of the pre-sale account can no longer be used for payment, its account is still "alive" and the cardholder can still log in to the online bank to check the account information.
Under normal circumstances, the bank will reserve 45 days as the liquidation period. After all possible merchant requests occur, the bank will officially cancel the account for the cardholder after confirming that the cardholder has returned all the arrears.
It is worth noting that unless the cardholder explicitly requests that the account be officially closed after 45 days, the bank will officially close the account for the customer after one year.
Extended information "Measures for the Management of Customer Identity Identification and Customer Identity Information and Transaction Records of Financial Institutions", bank account information shall be kept for at least 5 years from the transaction bookkeeping year. 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.
At present, the interest-free period of credit cards will exceed 50 days at the longest, and there is also a time difference between billing date and repayment date. 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.
People's Network-Credit card cancellation does not mean account cancellation.