The credit card has been cancelled by the bank and still needs to be repaid. According to the Administrative Measures on Customer Identification and Customer Identity Data and Transaction Records of Financial Institutions, bank account information shall be kept for at least 5 years from the year of transaction records. Therefore, after the credit card is cancelled, the account still exists, and the customer can also check the transaction record of this credit card as needed.

The longest interest-free period of a credit card will exceed 50 days, and there will be a time difference between the billing date and the repayment date. When citizens cancel their credit cards, there may be cases where credit cards are not recorded in time after consumption, resulting in some customers' credit cards still in arrears, which will generate "invisible" interest for a long time. Therefore, when the customer cancels the credit card, it is best to call the customer service phone of the bank about 40 days after the card cancellation to confirm whether his account has been cancelled successfully, so as to avoid trouble in the future.

Extended data:

It is best to plan the card return in advance when unlocking and when you need to return the card, and reserve time to return the card before the next annual fee collection to avoid paying an annual fee for one year. In addition, card cancellation is not the same as account cancellation. Some banks will still keep customer information after returning their cards, while account cancellation will delete all customer information. Therefore, it is suggested that cardholders cancel their cards at the same time, which not only protects the safety of personal information, but also enjoys preferential treatment for new customers when they open new credit cards in banks in the future.

Cardholders can go to the counter of outlets, submit applications through online banking, or call bank customer service staff. After receiving the application, the bank will immediately check whether there is any debt in the credit card account to be cancelled. If it is confirmed that there is no arrears at present, the card can be cancelled, and the cancelled card can no longer be used for consumer payment. It is suggested that the cardholder cut off the cancelled card and discard it.

People's Network-Credit card cancellation does not mean account cancellation.

People's Daily Online-The suspension of credit cards may also affect the credit industry. It is recommended to cancel the idle card voluntarily.

How long will it take to recover the credit card cancellation?

Credit card can't be restored after cancellation, but it can only be restored if the card is cancelled. There is no time limit. You can apply for other credit cards after closing your account. There is no time limit.

Credit card cancellation is divided into two situations:

1. If the credit card is cancelled, the account that has not been cancelled can be restored. When canceling the card, it will be easy if the card friend does not cancel the account. Card users can resume using the card through manual customer service, and there is no time limit. Of course, you need to check some information, such as ID number, some information registered when opening the card and so on. After confirmation, the staff will cancel the credit card immediately.

2. Card cancellation and account cancellation cannot be resumed. If the cardholder cancels the card and goes through the cancellation procedures, the credit card cannot be resumed.

Generally speaking, after the cancellation of a credit card, as long as the cardholder does not take the initiative to cancel the account, the account will remain for a period of time. Take ICBC as an example, it is generally kept for one year. If the cardholder wants to use the card again during this period, he can apply for a new card.

There is generally no time limit for re-applying after canceling the credit card, or canceling the old card to apply for other card types. In other words, you can apply for a new card at any time as long as the old card is successfully cancelled and there is no record of arrears.

What are the consequences of overdue compulsory cancellation of credit cards?

If it is forced to close the account for overdue reasons, generally speaking, it is because there are too many bad credit records, and the bank forces to close the account for risk control reasons. In this case, the bank card under the account can't be used, and you can't apply for registration again before the credit is improved.

Bad credit records are generally not deleted within 5 years, which means that if you cancel your account because of bad credit, you can't apply for a credit card from the bank for at least 5 years. In addition, other banks will also conduct credit inquiry when handling credit cards. If there is a bad credit record, then other banks may also be refused to apply for credit cards. Therefore, when we use credit cards, we must repay them in time to avoid overdue.

legal ground

Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management Article 6 If a cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it after two reminders from the issuing bank for more than three months, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law.

In any of the following circumstances, it shall be deemed as "for the purpose of illegal possession" as stipulated in the second paragraph of Article 196th of the Criminal Law:

(a) knowing that there is no repayment ability and a large amount of overdraft can not be returned;

(two) squandering overdraft funds, unable to return;

(3) Escaping after overdraft, changing contact information and avoiding bank collection;

(4) evading or transferring funds, concealing property or evading repayment;

(five) the use of overdraft funds for illegal and criminal activities;

(six) other acts of illegal possession of funds and refusal to return them.

Malicious overdraft should be investigated for criminal responsibility. However, if all the overdraft interest has been repaid after the public security organ files a case and before the people's judgment is published, it may be given a lighter punishment, and if the circumstances are minor, it may be exempted from punishment.

If the amount of malicious overdraft is large, and all overdraft interest has been repaid before the public security organ files a case, and the circumstances are obviously minor, criminal responsibility may not be investigated according to law.

This is the end of the introduction about canceling credit card accounts and how to cancel credit card accounts. I wonder if you found the information you need from it?