If the credit card generates consumption within 45 days after account cancellation, it will not be cancelled. If there is no new account payable within 45 days after the credit card is closed, the account will be officially closed. After the credit card is officially cancelled, the credit card information will be erased by the credit card center of the issuing bank and cannot be recovered again. Cardholders will need to fully consider whether to cancel their accounts based on their independent judgment.

If the cardholder wants to cancel the credit card account, he should contact the manual customer service of the credit card center of the issuing bank after the credit card account is settled, and inform the manual customer service of the credit card cancellation requirements.

The manual customer service of the issuing bank's credit card center will ask the cardholder what makes him not want to use the credit card, and just answer the demand of not using the credit card.

There will be no annual fee after the credit card is officially cancelled, and the cardholder needs to cut the magnetic stripe of the credit card to avoid being used by criminals after it is lost. If the cardholder's credit card is an IC chip card and there is a balance in the electronic cash account, electronic cash consumption can be made on the acceptance terminal with UnionPay flash payment logo within the validity period of the card.

The cardholder can use the balance of the electronic cash account first and then contact the issuing bank to cancel the credit card. The cardholder needs to seriously consider whether the credit card will be restored after it is officially cancelled. When you use a credit card, you need to repay it on time, not overdue.