There is a 45-day risk period for the cancellation of CITIC Bank's credit card, which means that the account can not be officially cancelled until 45 days after the application for cancellation is filed.

1 and the 45-day risk period are mainly due to the fact that most credit cards are not recorded in real time;

2. Especially in foreign countries, it often takes a long time for online and offline card consumption to be recorded, so it will take some time just to apply for cancellation of the card;

3. The card cannot be used during this period, but it has not been cancelled;

4. If there is an unrecorded consumer bank before applying for account cancellation, you can also charge the cardholder corresponding fees during this period;

5. If it is cancelled after the 45-day risk period, the bank can no longer charge the cardholder any fees.