There are no consequences, but attention should be paid to account cancellation.

under normal circumstances, the bank will not handle the account cancellation immediately after receiving the customer's account cancellation, and it needs a certain period of time. During this period, the bank will check whether the credit card has debts and whether all the debts have been settled.

because it may not be a complete billing cycle when the card is cancelled, even if all the bills received before are paid off, there may still be some arrears, so the bank needs some time to confirm, and the general banking cycle is about 45 days. After confirming that the cardholder has no arrears, the bank can cancel the card for the cardholder.

if the card cancellation business has been handled, it is best to call the bank 46 days later to confirm whether to cancel the account, so as to prevent the bank from thinking that the card cancellation has been successful for some reasons, thus causing unnecessary troubles.

after canceling the bank credit card, I suggest that you can call the bank again to cancel the account. Although there is a word difference, it is completely different in nature. If you just cancel your card, you won't be able to enjoy the treatment of new customers if you want to apply for the bank's credit card next time. If you cancel your account, if you apply for a credit card again after a period of time, the bank can give it preferential treatment to new customers.

extended information

most banks require credit cards to settle the money in the card when they are cancelled, but a handling fee is required to withdraw the balance in the card. A staff member of the credit card department of a state-owned bank said:

If a customer needs to cancel his credit card, but there is still a balance in the card, then the customer can withdraw the funds from the card through the counter or ATM, or transfer the balance in the card to the debit card of his peers through online banking. "If it is a peer in the same city who withdraws the balance or transfers money, there is no handling fee."

however, many banks have indicated that a handling fee is required to withdraw the balance in the card. A credit card customer service staff of a joint-stock bank told reporters that if customers need to withdraw the balance in their cards or transfer money, they will be charged at 1% of the amount, ranging from 3 yuan to 1 yuan.

Zhongxin. com-How to cancel a credit card without wasting money

Dahe. com-Credit card cancellation is very different. Don't forget to cancel the account after canceling the card.