After canceling the credit card, if there is consumption for no reason, you can go to the bank to check whether the account has been canceled and whether the card has been destroyed. If not, cancel the account as soon as possible, otherwise the credit card will appear again for consumption.
The 45 days after the credit card is canceled is called the "pre-cancellation period". During this time gap, the canceled card can actually be used for swiping. If the cardholder thinks that the card has been canceled and throws it away, the discarded card may be used by criminals and may still be stolen. It is possible to swipe, and you will have to bear losses for it. Similarly, cards within the pre-cancellation period can also be used for online transactions, and funds can also be transferred to the card.
Cards within the pre-cancellation period are also not safe. When applying for cancellation, bank staff will emphasize the need to destroy the card or destroy the magnetic strip. Moreover, the verification code and personal signature on the back of the card cannot be leaked.
After the Ping An Bank credit card was cancelled, it was consumed. If no evidence or the person responsible for the fraud can be found, I can only bear the relevant losses myself. For canceled credit cards, the following suggestions are given:
After applying to cancel a credit card, it is best to consult the bank staff whether there is a pre-cancellation period.
After applying for cancellation, the card cannot be thrown away randomly. The magnetic strip and chip must be destroyed and damaged. The signature on the card and the verification code on the back of the card must also be scratched off.
3. If the card has been canceled, remember to delete the binding to third parties such as Alipay, QQ, WeChat and so on as soon as possible to avoid unnecessary losses such as online fraud and wrong payment.
4. Many banks have regulations: canceling a card and canceling an account are different. Therefore, many people will find on their credit records that they still have records of canceled cards. Too many cards are actually detrimental to their credit records. Therefore, the best way is to ask the bank to cancel our account when applying to cancel the card.
Extended information:
Account cancellation refers to the abbreviation of canceling the bank account of the account opening unit. When a bank account is required to be canceled due to reasons such as cancellation, merger or relocation of an organization, the account cancellation procedures should be completed with the bank where the account was opened. When canceling an account, the unit must check the deposit (loan) account balance with the bank, then settle the deposit (loan) balance with the relevant vouchers issued by the unit, and return various blank important vouchers at the same time. After the account is closed, the unit that closed the account shall be fully responsible for all problems arising from failure to return blank important vouchers. When a current savings deposit account requires the account to be settled, the passbook must be withdrawn and canceled.
Account cancellation rules
1. There are no arrears in the unified account. If there are arrears, the arrears must be settled first.
2. Prepaid users who have participated in contract plans, deposit bonuses, deposit gifts, etc. and have relevant agreements with China Unicom cannot handle account cancellation during the agreement period.
3. Prepaid users who have registered with their real names during the validity period, recharge period, and lock-in period can go to the business hall to handle account cancellation.
4. Postpaid packages should implement "pre-disassembly", that is, customers pay in advance.
5. For out-of-service insured users whose pre-stored phone charges are zero and who have not paid bills for three consecutive months, the account will be canceled starting from the fourth month.
6. Settlement of relevant expenses in the original owner’s account in accordance with financial regulations.
Reference: Baidu Encyclopedia-Cancellation