You can call the customer service phone of the credit card and transfer it to manual customer service, and ask to transfer the extra money in the credit card to your own savings card or credit card. You have to go to the bank counter, otherwise, the bank will not automatically transfer it for you.

Cancellation of a credit card does not mean cancellation of a credit card account. If there is any debt, the debt should be paid off. If there is no debt or balance in the credit card, the credit card account will be closed if there is debt or balance in the credit card applying for cancellation.

Extended information:

Summary of credit card cancellation:

If you don't intend to continue using your credit card, you must do it. If you don't cancel your account, the bank will charge an annual fee for your credit card.

you can apply for account cancellation at any time if the card is not overdrawn.

if the card has not expired, you need to apply first, and then go to the bank to cancel the account after a certain period of time; If the card has passed the validity period and the account balance is zero, you can go directly to the designated bank outlet to cancel the account.

when closing the account, you should bring the original valid ID card and card. If it is inconvenient for me to go through the formalities of closing the account, someone else can do it for you. The agent must hold the power of attorney written by the principal (himself) and bring the original valid identity certificate to handle the account cancellation business.

if your card has not expired when you cancel your account, some banks stipulate that you need to go to the designated outlets to receive the card, and then go through the formal account cancellation procedures after a certain period of time (up to 3 days).

This is mainly because if the cardholder has made a manual credit card transaction before closing the account, the cardholder has already closed the account before the merchant submits the credit card slip to the bank for entry, so the bank can't settle the account normally; On the other hand, if the cardholder is in consumption abroad or withdraws cash, it may be several days before liquidation. If the account is cancelled immediately, it will also affect the normal liquidation of the bank.

Reference:

Although the credit card has been cancelled, it may cause you trouble in the future-China News Network

Credit card-Baidu Encyclopedia