These 45 days are the "liquidation period", mainly because most credit cards are not recorded in real time, and online and offline consumption often takes a long time to be recorded, so it will take some time just to apply for account cancellation.
During the cancellation of the credit card, the card cannot be used, but it has not been cancelled. If there is unrecorded consumption before applying for account cancellation, the bank can also charge the cardholder the corresponding fee during this period. Once the account cancellation takes effect, the credit card account will be deleted and there is no possibility of recovery.