Can I use my credit card again after it is canceled? To answer this question, we must first clarify the following questions:
Under what circumstances will a credit card be canceled?
One is that the cardholder actively calls the credit card center to request cancellation, and the other is That is, if the cardholder's credit card is seriously overdue and the balance is paid off, or if the credit card application is never received and activated, the bank will actively cancel it. No matter what the situation is, the prerequisite for canceling a credit card is that there is no money owed on the credit card and there is no excess money.
When canceling a credit card, are you canceling the card or canceling the account?
There are two situations for canceling a credit card, one is canceling the card, and the other is canceling the account. If it is just a credit card cancellation process, some banks can call the credit card center within a certain period of time to explain the situation and resume use. If the credit card account has been canceled, it cannot be restored and you can only reapply for a new card before it can be used.
For some bank credit cards, the cancellation of a single credit card is called account cancellation. For example, ICBC. I already have 10 ICBC credit cards in my hand. The 11th credit card has been left at the bank branch without being collected. Half a year later, it was collected. If the letter report shows "Account Closed", this may mean that a single bank account has been canceled. In this case, the card can no longer be used again.
Not all bank credit cards can be restored to use after cancellation. Banks have their own requirements. It is recommended that you cancel any credit cards you no longer need. Before canceling, ask customer service if you can resume using it later. Please proceed with caution!
It is recommended that before applying for a credit card, you must consider whether you really need this credit card to avoid After you get the card, you have to cancel it if you don’t want to use it.