When a user applies to cancel a credit card (debit card), the bank will not cancel the credit card (debit card) immediately. At this time, the credit card (debit card) will enter the risk period of 45 days, and the bank will cancel the card after 45 days. So the credit card (debit card) can be used normally as long as it is cancelled within 45 days. The card cannot be used until the cancellation is cancelled. However, if the card is stolen during the 45-day risk period, this responsibility shall be borne by the user himself.

Therefore, as long as the user applies for cancellation of the card within the risk period of 45 days, he can cancel the application for cancellation.