It takes 45 days to cancel the credit card, which means it will take effect on the 46th day after the cancellation application. On the 46th day, the user can call the customer service of the issuing bank and ask whether it has been cancelled. If the user chooses to cancel the account, after a period of time, the user applies for a credit card again and can be counted as a new user. If there is only one credit card in the bank account, you can directly apply for account cancellation.

Is it the same to cancel the credit card?

It's different. Card cancellation means the cancellation of a single card. For example, there are multiple credit cards in the same bank under the same user name, and card cancellation is only one of them, while account cancellation refers to cancellation of all credit cards under this user name. If the user only has a credit card in the name of a bank, the user can choose to cancel the account. After canceling the account, the bank will treat the user as a new user after reapplying at regular intervals.