My credit card has been canceled and now I am told that there is a bill. How should I deal with it?

After canceling, you still need to repay, otherwise it will not be considered a real cancellation, and the arrears information will still be displayed in the credit reporting system.

Why is there still account information after the credit card has been canceled?

It has been more than a month since the credit card account was canceled and the credit report still does not show the account has been cancelled. It is still in normal status. This is normal. Banks have not yet updated data. If the forty-five-day risk period has not passed, the account cancellation is officially completed. Just wait patiently.

The card can be officially canceled 45 days after the card cancellation application is submitted. The 45-day risk period is mainly due to the fact that most credit cards are not debited in real time; especially in foreign countries, online and offline card processing and other consumption often have to wait a long time before debiting, so you have to wait for a while after you first apply to cancel the card; During this period, the card cannot be used, but it has not been truly canceled; if there are any accounts that have not been credited before applying for cancellation, the consumer bank can also charge the cardholder corresponding expenses during this period; it will be truly canceled after the 45-day risk period. , the bank can no longer ask the cardholder to charge any fees.

Main Features of Credit Cards

Pre-deposit of cash is not encouraged. Spend first and repay later. Enjoy an interest-free repayment period. You can repay in installments (with a minimum repayment amount). Join VISA , MasterCard, JCB and other international credit card organizations so that it can be used globally.

It is one of the fastest growing financial services today and is an electronic currency that can replace traditional cash circulation to a certain extent.

Has both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using their credit cards.

It is a high-tech product integrating financial business and computer technology.

Can reduce the use of cash currency.

It can provide settlement services to facilitate shopping and consumption and enhance a sense of security.

It can simplify the collection procedures and save social labor.

Can promote product sales and social demand.

Credit card repayment methods

The methods within the card issuing bank include: card issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.

Weiyintong POS mobile phone and Weiyintong POS mobile phone are a mobile financial system personal payment terminals that can be used to directly repay by swiping cards, as well as perform transfers and other services. Instant payment!

Transfer/remittance repayment is mainly divided into two methods: inter-bank inter-bank in the same city and inter-bank inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

The more common domestic online platforms for online repayment include: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

This method of convenience store repayment is mainly completed through the "Lakala" smart payment terminal installed in the convenience store. Generally, the payment time takes 2 to 3 working days. At the same time, using this There is no handling fee for repayment.

Counter repayment counter refers to bank cards issued by various networked financial institutions, which can be used to conduct RMB current deposit and withdrawal transactions through the counters of other bank branches registered in the UnionPay exchange center host system.

The "Xinpaytong" smart credit card phone for repayment is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center, and supported by financial services provided by China UnionPay's inter-bank information exchange network.

Repayment Tong uses "Repayment Tong" to repay, and the fees are generally charged according to the fee standards for intra-city inter-bank transfers and long-distance inter-bank remittances stipulated by the local People's Bank of China.

Other methods In addition to the methods mentioned above, card issuers have also opened their own unique repayment methods in order to facilitate cardholders' repayment.

Why do I still receive bills after canceling my credit card?

Canceling a card means canceling a certain card and keeping the personal account in the banking system; while canceling an account means canceling the entire account. Therefore, if you cancel your account, your card will definitely be cancelled, but just canceling your card will not cancel your account.

2. As for canceling the credit card and still receiving the bank statement, it must be that the card was canceled but the account was not closed, and the credit card has a debt. If the account is closed, you will not receive the credit card bill.

2. Let’s take a closer look at the things you need to know about canceling a credit card:

1. Before canceling a credit card,

be sure to pay off all the outstanding balances on your credit card. Please pay special attention to whether there are any late interest, handling fees, annual fees, etc. on your credit card. Only after confirming that you have no outstanding debts and no extra money will you apply to cancel the credit card to avoid unnecessary losses.

2. Different banks have slightly different rules for canceling credit cards. In some banks, cancellation can take effect immediately after registration. Some banks have a 45-day waiting period, also called the settlement period, and the cancellation can only be officially confirmed after 45 days. If you don’t understand your credit card cancellation rules, you can call the credit card center on the 46th day after canceling your credit card to inquire about the cancellation situation to ensure nothing goes wrong.

It is generally not recommended to cancel a credit card unless you really don’t want to use it anymore. If you cancel your credit card and want to apply for a credit card from that bank, it is generally more difficult.

But there is one situation where I would suggest you cancel your credit card, and that is when the approved credit limit is 0 or a very low limit.

For example, if you only have a few hundred or one or two thousand, and you have been using it for normal consumption for a year, you still cannot raise the limit, or you are not even qualified to raise a temporary limit, so as not to occupy the account number and affect the application or withdrawal of credit cards from other banks. Forehead.

This is the end of the introduction about why there are still bills after canceling a credit card and how there are still bill reminders after canceling a credit card. I wonder if you have found the information you need?