Under normal circumstances, the bank will not handle it immediately after receiving the cancellation from the customer, and it will take some time. During this period, the bank will check whether the credit card is in arrears and whether the arrears are all settled. Because when you return your card, it may not be a complete billing cycle, even if all the bills you 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.