It needs to be repaid immediately, and the credit card can only be closed if all the arrears are paid off. If you want to close your account, you must pay off the money immediately, because after the money is paid off, the bank will need a certain number of working days to determine whether it will be paid off in full before you can close your account. You can't close your account without paying off your debts, so if you close your account with a credit card, you must repay it immediately.