What should I do if the credit card is returned to the canceled card? Pay attention to these matters

Often cardholders often cancel their credit cards and fail to unbind them on some third-party platforms in time. As a result, the transfer to other credit cards is accidentally returned to the canceled card. In order to prevent other cards from being overdue, I just want to take out the wrong money. So, what to do in this situation? Let’s take a look below.

What should I do if the credit card is returned to the canceled card?

This depends on the status of the credit card and is divided into two situations.

1. Pre-cancelled credit card

That is, the credit card has been applied for cancellation, but it is still within the 45-day pre-cancellation period. Since the cancellation has not been officially successful, the account still exists and can be used normally. Incur arrears and receive repayments. If the repayment is repaid to this type of credit card, failure to withdraw it will result in unsuccessful cancellation.

However, credit cards with a pre-cancellation period generally cannot be directly inserted into the ATM machine to withdraw cash. The cardholder may be required to bring the credit card and his or her valid ID card to the city branch where the account opening bank is located. Support remote cash withdrawal.

Some people may say that it is so troublesome to withdraw cash, so it is better to just swipe the card to use the money. Although this method is feasible, you have to re-activate the credit card in advance, and you may also have to go to the branch of the bank where you opened the account. If you apply, you may also be charged a card opening fee.

2. Canceled credit cards

This depends on whether the card is canceled or the account is closed.

1. Cancel the card

If you just cancel the card and there are other credit cards in your name, you can check whether the wrong money has been put into other credit cards. If so, you can get it. Withdraw money by credit card.

But before that, it is clear whether the money is used to offset the outstanding balance of this card, or whether it exists as an overpayment. If the former withdraws cash from the credit card limit, not only interest will be charged, but also interest will be charged. If there is a handling fee, the important thing is that you still have to repay it; if it is the latter, no interest will accrue, but there may be a handling fee, so it is better to swipe the card directly.

2. Cancellation of account

Don’t be nervous in this situation. Even if the account is gone, the repayment will not be successful. The money will usually be returned to the original route, but it may It will take 1 to 3 days for the refund to arrive in your account.

If you are not sure, you can directly call the issuing bank of the canceled card and be transferred to manual customer service for further consultation.

What should I do if my credit card is canceled and the money still goes into it? It's troublesome to withdraw money

There is a 45-day waiting period for credit card cancellation. During this period, if there is a debt or balance on the credit card, the cancellation will not be successful. Many cardholders accidentally return money to their credit card after applying for credit card cancellation. What should you do in this situation? How can I withdraw the money paid back to my credit card? Let’s take a look below.

What should I do if my credit card is canceled and the money still goes into it?

In this case, the credit card cancellation will definitely be unsuccessful. You must withdraw the money that has been paid in before you can cancel it, and it is also very troublesome to withdraw the money that has been paid in.

There was a cardholder who failed to unbind the credit card bound to Alipay in time during the 45-day pre-cancellation period after canceling his credit card, and then accidentally returned the money to the wrong card. As a result, when he called customer service on the 46th day to inquire about the cancellation progress, he was told that a sum of money had been credited to his credit card during the pre-cancellation period and he needed to withdraw the money before the cancellation could be successful.

The customer service also told me that because the credit card is in the pre-cancellation period, you cannot directly insert the card into the ATM machine to withdraw cash. You must bring the canceled credit card and your ID card to the bank counter to withdraw the money. , and it needs to be processed at a bank branch in the city where the account is opened, which is very troublesome if you are out of town.

Some friends will say that since it is troublesome to withdraw the money after canceling the credit card, why not just activate the credit card and swipe the card to use the money? Although this method is feasible, to activate the canceled card, you may also have to go to the branch in the city where the account is opened, and additional fees may even be charged.

In short, it is very troublesome to try to withdraw the money after canceling the credit card.

Therefore, if the card has been applied for cancellation, it is best to delete the binding with third parties such as Alipay, QQ, WeChat and so on as soon as possible to avoid returning the wrong card.

What to do if the credit card has been invalidated after repayment

When the credit card is canceled by the bank, if you want to transfer and repay, it will prompt that the card is invalid, and you will not enter at all. The only way to handle it is to go to a bank branch.

If the credit card expires and becomes invalid, the cardholder cannot find the credit card information in mobile banking or APP, but it will still be archived in the bank's internal system. Just give the cash to the teller to pay back the money. The debt will be settled, but the card will not be used again. When the credit report is updated, the balance of the debt will become 0, and the status will show overdue. It will take 5 years to eliminate it.

If a credit card is overdue, penalty interest will accrue, and interest will be calculated on the full amount, with a daily interest rate of 0.5%. For example, if your credit card is overdue for 5,000 yuan and the number of overdue days is 30 days, then the penalty interest is 5,000 × 0.05 × 30 = 75 yuan.

In addition, in addition to interest, overdue penalties will also result in liquidated damages. Different banks have different charging standards for liquidated damages. Generally speaking, most banks’ credit card liquidated damages charging standards are basically set as 5 of the unpaid portion of the minimum payment.

We know that overdue is a kind of breach of trust. Once a credit card is overdue, the bank will report the overdue record to the central bank's personal credit report. The overdue record will be retained on the personal credit report for five years. During this period, when applying for a bank loan, you may encounter high interest rates, small loan amounts, or even the loan application is directly rejected by the bank.

Credit reports are currently mainly used for various consumer credit businesses of banks. As the social credit system continues to improve, credit reports will be more widely used in various commercial credit sales, credit transactions, recruitment and job hunting. In addition, personal credit reports also provide the inquirer with a way to review and standardize his or her credit history behavior, and form a verification mechanism for personal credit information.

In addition, for those whose overdue circumstances are particularly serious, their travel will also be affected. They will not be able to fly, high-speed rail, stay in hotels, or use mobile phones to make overdraft purchases. Their children will not be able to attend key schools, and it will be difficult to move forward without trust.

Credit card debts are protected by law. If the cardholder maliciously overdrafts and fails to repay overdue payments, he is suspected of credit card crime and will be punished by law and face jail time. The penalty depends on the overdue circumstances. The more serious the circumstances, the heavier the penalty. If the overdue amount is particularly large, you may even be sentenced.

Banks are the ones who suffer the most from overdue cardholders. In order to reduce losses, banks will generally reduce the credit card limit of cardholders, or even directly block the card. Once your credit card limit is reduced or blocked, it will be difficult to increase or unblock it. When using a credit card, you must repay it on time. Overdue behavior is not advisable. You must not take risks, let alone take chances, otherwise the consequences will be serious.

What should I do if I paid the wrong credit card and it was transferred to a canceled card?

Take the canceled credit card and your ID card and go to the bank counter to withdraw the money. That's it. You have to go to the counter and cannot take it out in any other way.

Generally, when repaying a credit card by mistake, the payment will not be successful if the money is repaid to a canceled account. The money will be automatically returned to the payer's account, and the repayment can be made again later.

Credit card repayments usually arrive within 1 day. Moreover, some banks also stipulate that you must go to the province or even the city where the address registered on the ID card is located before you can withdraw it.

Extended information:

Credit card repayment methods

1. Credit card repayment inter-bank transfer

Inter-bank transfer/remittance repayment is mainly divided into There are two ways: cross-bank in the same city and cross-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

2. Credit card repayment counter pass

Counter pass refers to the bank cards issued by various networked financial institutions, which can be used through the counters of other bank branches registered in the UnionPay Exchange Center host system. , conduct RMB current deposit and withdrawal transactions.

3. Credit card repayment via Lakala

Cardholders can complete credit card repayment, mobile phone recharge, and online payment through convenience stores, bank outlets, or purchase "Lakala" equipment terminals. Bill payment and other services.

4. Credit card repayment Xinpaytong

The "Xinpaytong" smart card swiping phone is independently developed by China UnionPay, certified by the Bank Card Testing Center, and exchanged by China UnionPay inter-bank information The network offers innovative electronic products supported by financial services.

5. Credit Card Repayment Pass

Use the "Repayment Pass" to make repayments. The fees are generally based on the intra-city inter-bank transfer and long-distance inter-bank transfer fees stipulated by the local People's Bank of China. Charge.

6. Smart repayment of credit card repayment

The new industry, its main function is to use the balance of about 5% in the card to automatically cycle consumption and repayment to achieve the purpose of full repayment. A certain handling fee is charged, and the basic functions include bill management, local payment, free card application, etc.

Baidu Encyclopedia - Credit Card Repayment

What should I do if the credit card is canceled and the money is returned?

If the credit card has been canceled successfully, the money cannot be paid back. . However, people only apply for cancellation. If the bank accepts the registration, there is usually a 45-day pre-cancellation period. After 45 days, the bank will check to confirm that there is no balance and unpaid bills in the card before the card will be completely canceled.

If the money is paid back within these 45 days, then if there is a bill outstanding on the card, the money can be used to pay off the bill debt, and the bill debt on the card will be paid to Pay it off, or ensure that the card can be successfully canceled after the 45-day pre-cancellation period.

However, if there is no bill balance in the card, if the excess money is repaid, an overpayment will be formed in the card, and the customer must promptly pay the bill within the 45-day pre-cancellation period. Withdraw this excess money. Otherwise, when the bank finds that there is still a balance in the card, it will not cancel the card.

Before applying to cancel the credit card in your hand, you should check whether there is any overpayment or unpaid balance in the card, pay off the balance, and take out the overpayment before applying for cancellation. When revolving funds in the future, you should also be careful to avoid transferring money to this card.

This is the end of the introduction on what to do if a credit card has been canceled after it has been paid off, and how to cancel a credit card after it has been paid off. Have you found the information you need?