There may have been unsettled purchases before. For example, overseas purchases generally have a longer settlement cycle, and when canceling a credit card, the bank will generally remind you that it will take a certain period for the cancellation to be successful. This cycle is to fully settle the bill.

According to bank regulations, after receiving a card cancellation application from a credit card user, the bank needs to confirm whether the cardholder has any outstanding balances in the last billing cycle. Therefore, the account will be retained for a period of time, which generally takes 45 It will take effect only days later. During this period, credit to customer accounts will still be received.