A credit card can be canceled after overdue repayment.

After the credit card is overdue, the bank will collect money from the cardholder. After the cardholder pays off the bill, if the cardholder does not actively mention canceling the card or closing the account, the bank will default to the cardholder continuing to use the card. The validity period of the card is generally about 3 years. After 3 years, the bank will default to the cardholder to continue using the card, and then make a new card for the cardholder.

Canceling the Card

In other words, after the credit card is paid off overdue, the bank will not take the initiative to cancel the account, and the cardholder needs to actively apply for account cancellation.

If a cardholder wants to cancel their card or account, they need to first call the bank’s credit card hotline and then apply for card cancellation and account cancellation. You can also choose to go offline and go to the counter with your ID card to apply for credit card cancellation. Then the relevant staff will verify the borrower's personal information and other contents.