The Measures for the Administration of Bank Cards have corresponding provisions on this:

Article 34 The cardholder may apply for account cancellation after paying off all transaction funds, overdraft principal and interest and related expenses. When canceling the account, the funds in the RMB card account of the company shall be transferred to its basic account.

The funds in the foreign currency card account of the company shall be transferred back to the corresponding foreign exchange account, and shall not be withdrawn in advance. Unit RMB card can handle commodity trading and labor supply fund settlement, but it is not allowed to overdraw.

Extended data:

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Relevant laws and regulations of the Measures for the Administration of Bank Cards:

Article 35 If a cardholder maliciously overdraws in the above way for the purpose of illegal possession and should be investigated for criminal responsibility, he shall be convicted and punished for the crime of credit card fraud in accordance with the provisions of Article 196 of the Criminal Law.

Copying other people's credit cards, writing other people's credit card information into magnetic stripe media or chips, or forging more than one credit card 1 sheet by other means shall be deemed as forging credit cards, and shall be convicted and punished for the crime of forging financial tickets.

Article 36? The issuing bank shall carefully examine the credit status of the credit card applicant and determine the effective guarantee and guarantee method according to the credit status of the applicant. And its credit limit should be adjusted according to the change of credit status.

Baidu Encyclopedia-Bank Card Management Measures