Call the customer service number of the bank to which the credit card belongs, record the call, and follow the prompts to ask the customer service to check the current status of the canceled credit card and whether it has been cancelled. Under normal circumstances, it is generally It takes about 45 days from the day the credit card account is closed to the completion of the account cancellation, including the hesitation period. Please note that each bank is different and the time will be different.

There are generally two situations in which a credit card can be canceled. One is forced to be canceled by the bank due to long-term overdue use, and the other is for the cardholder to apply to the bank for cancellation. No matter what the situation is, we need to confirm whether the credit card has been canceled successfully. So how to confirm? There are several ways to check the current status of your credit card.

How to confirm that a credit card has been cancelled?

There is one query method for whether a credit card is forcibly canceled by the bank or the cardholder applies for cancellation. However, the latter will have a 45-day pre-cancellation period. For this reason, it cannot be confirmed until the 46th day after the application is submitted. The main channels are as follows:

1. Telephone confirmation

Directly call the credit card service hotline of the bank where the canceled credit card belongs. There will be a phone number on the back of the credit card, and then transfer to the manual customer service and ask the customer service to help you inquire. This requires the ID card filled in when applying for the card, and you may also need to enter the inquiry password. , customer service will conduct an inquiry after verifying the identity information, and then inform the results.

2. Credit report confirmation

All canceled credit cards will be reflected in the credit report, so it can be confirmed by checking the credit report.

I have two channels to check my credit report. One is to log in to the personal credit report center on the official website of the central bank to obtain the credit report. It will usually be available the next day, but this is a simplified version of the credit report; First, you can print a detailed version of the credit report at a local offline branch of the Bank of China or at the counter of a commercial bank designated by the People's Bank of China.

3. Confirmation at the counter

Bring the valid ID card used when applying for the card directly to the counter of any branch of the card-issuing bank and ask the staff to help you check. Please note that it is best to go to You may not be able to find local bank branches in other places.

The last thing to remind is that the prerequisite for canceling a credit card is that there is no outstanding balance in the card and there is no money exceeding the limit. Only when these conditions are met can the cancellation be successful.

Enter the APP of the bank to which the credit card belongs and check the status of this credit card on the APP.

Go directly to the bank counter where the credit card belongs and ask customer service to check the status of the credit card to confirm that it has been cancelled. You can also cut the card directly to avoid forgetting it later.

In understanding account cancellation, there are two ways to cancel a credit card. One is to cancel the card, and the other is to cancel the account. Card cancellation is to cancel a certain card separately, which is essentially to deactivate the original credit card.

Canceling an account means canceling the entire account, which means canceling the account opened by the cardholder in the bank. After the account is canceled, all the personal account information will be cleared, that is, the account will be canceled. Considered a new customer.

Before canceling a credit card, it should be noted that you should first unbind all the information bound to the credit card, such as mobile phone WeChat, etc., and also check whether the money in the account has been paid off to avoid any inconvenience. Necessary trouble and loss.