Why is the quota still there after the cancellation of China Merchants Bank's credit card?
Many cardholders will confuse the concepts of card refund and account cancellation. Everyone should pay attention to the difference between canceling the account and returning the card. Credit card cancellation means that the cardholder pays off all the credit card bills before going to China Merchants Bank to cancel the card. Does not represent a real account cancellation. Account cancellation means that the cardholder cancels his account in China Merchants Bank.
If the cardholder's account is still in China Merchants Bank, then as long as the cardholder's credit card has not expired, the quota is still there. In addition, if the cardholder's credit card bill has not been paid off, such as annual fee or other invisible fees, there is no way to close the account. Can be verified by the nuclear library. After all, there are still some accidents, such as bank negligence or system loopholes.
Can I recover my credit card after I cancel my account?
Whether a credit card can be restored after cancellation depends on the type of card and whether the conditions are met. High-end credit cards cannot be recovered after cancellation, and need to be re-processed. There are two conditions for the recovery of ordinary credit cards after cancellation. One is that the credit card has not expired and the validity period before cancellation is more than 2 months (inclusive); One is that the last card in the name cannot be cancelled for more than 6 months.
Suppose the cardholder restores the credit card, but the credit limit cannot be restored, which needs to be re-evaluated according to the cardholder's comprehensive qualifications. New credit lines can only be granted after system evaluation.
The above is the related content sharing of "China Merchants Bank's credit card is still available after account cancellation". I hope it will help everyone!