1. The credit card company did not take the initiative to close your account: the credit card company did not take the initiative to close your account, especially did not inform them to close the account.
2. The credit reporting agency failed to update the information in time: the credit reporting agency failed to receive the cancellation notice or update the credit card account information in time, resulting in it still being displayed as a valid account in the credit reporting.
3. The account cancellation record has not been displayed: it will take some time for the account cancellation information to be displayed in the credit report. The specific time varies with the processing speed of credit institutions.