I think it is reasonable for the following reasons:

1. There are two steps to canceling an ICBC credit card account: collecting the card and canceling the card. But it doesn’t take one year after receiving the card before you can cancel it. You must have heard wrong. It should be one month later. Whether canceling through the counter, canceling via customer service phone or online banking, it will take a month.

2. Why is it stipulated in this way? I have not seen any written explanation so far. But based on similar regulations in other businesses, I personally think this should be similar to a hesitation period. Because many customers regret after canceling their cards and want to use them again. After all, applying for a credit card takes a certain amount of time and requires a lot of certificates. Once the account is closed, you need to apply again. And if the card is only collected but not closed, it can still be used again through card replacement transactions, and the customer will have the opportunity to reconsider within one month. I think this approach is more humane and reasonable.

Perhaps for many cardholders who insist on canceling their accounts, they will think that this is unnecessary, and some even think that it is troublesome to have to go there again every month. But in fact, they can choose to call customer service to cancel. If you do not request to resume use within one month after receiving the card, you will need to cancel by default. Or when the customer service calls back nearly a month later to ask if you still plan to cancel, you just need to cancel the card. There is no need to make this trip and no need to waste time. After all, banks have to consider the requirements of all customers, so this provision is understandable.