If the credit card is temporarily inactive, it will not be automatically canceled.

Unless you apply to the bank to cancel your credit card. Although the credit card itself has an expiration date, this is different from the existence period of the credit card account, that is, the card will expire, but the account will still exist.

Credit card cancellation methods:

1. Cancellation by telephone: Cardholders can call customer service to apply;

2. Cancellation of cards at outlets: Some banks adopt This method allows the cardholder to bring their ID card and credit card to any local branch to cancel the card. After filling in the account cancellation application form, the bank will report a copy of the cardholder's ID card and the filled account cancellation application form to the head office. After a period of time, the cardholder can call to verify whether his credit card has been cancelled.

3. Cancellation of credit cards at designated locations: There are also a few banks that require you to cancel credit cards at designated locations

[]

Inter-bank transfer transaction time:

The system accepts inter-bank transfer transactions submitted online by customers from Monday to Friday from 9:00 am to 4:30 pm, which is determined according to the opening hours of each first-level branch and the payment system of the People's Bank of China.

After the customer selects the inter-bank transfer function, the following warm reminder will appear: "The arrival time of inter-bank transfer depends on the conditions of the People's Bank of China and the other bank's system. Usually the funds will arrive at the receiving bank within 24 hours. Please note that weekends or The impact of holidays on the time of fund arrival, please call 95533 for details. "The customer can choose whether to display this prompt. When transferring funds between banks, the bank names of other banks' financial institutions are displayed in the common order of ICBC, Agricultural Bank of China, Bank of China, Bank of Communications, China Merchants Bank, etc. The head office can flexibly adjust the bank name abbreviation and display order in the background as needed.

Inter-bank transfer arrival time: Generally, there are three arrival times to choose from, namely real-time arrival, ordinary arrival and next-day arrival; if you choose real-time arrival, the transfer will generally arrive immediately after the transfer. Generally, there will be no delay; the normal payment mode will usually arrive within 2 hours; the next day payment will usually arrive on the second day of the transfer; the above are all transactions during bank working hours, and will be processed if there is a holiday. There will be delays, but the slowest will not exceed 3 days. Inter-bank transfers will take at least 24 hours to arrive if transferred through an ATM. Please note that inter-bank transfers require a certain handling fee, but transfer fees through mobile banking and online banking are cheaper. However, there are limits for transfers through mobile banking, and different banks have different regulations.