The account cancellation record of the credit card will be permanently kept in the credit report. However, if an individual has a new credit record after account cancellation, the credit card account cancellation record will be overwritten after 2 years and cleared by the system after 5 years. In addition, after the cancellation of the credit card, it can be counted as a new account after half a year, and then the card can enjoy the treatment of the new account, which is subject to the regulations of the bank.

Taking China Merchants Bank as an example, the Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. When you handle new business, the relevant departments will generally give priority to the recent consumption and repayment records, and the credit report will not show the cancelled account until 45 days after the credit card is cancelled.

Precautions:

1. If the credit card is lost, you need to reissue a credit card first, and then cancel the account, and the card fee is required to reissue the card.

2. Credit card cancellation must take out the balance on the card to ensure that there is no debt on the card.

3. When canceling a credit card, there is usually a "liquidation period" of about 45 days to ensure that the card can be cancelled without any delayed transaction.

4. Refusing the card does not mean canceling the account. All debts must be paid off before closing the account. After applying for account cancellation, it generally takes 45 days to take effect, and the points will be cleared after account cancellation.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standard for public services was formally implemented, and the English names of credit cards were specified.