if a credit card is reported lost, it will not be replenished, which means that after the loss is reported, the credit card will remain in a frozen state and will not be automatically cancelled.

if the credit card is in arrears or the bill is not paid off, especially if the credit card is in installments, the bill will still be issued every month.

if the cardholder needs to cancel the account, the bank will cancel the account of the credit card only after paying off the debt before the bank applies.

The bank will not take the initiative to close the account unless the cardholder applies, and there will be a 45-day buffer period when the credit card is closed.