Credit card points are a reward method introduced by banks to encourage cardholders to spend. What should a cardholder do if he plans to cancel his credit card but still has a lot of points on the card? And after canceling the credit card, where will the points go? Will it disappear and become ineffective?

This still depends on how the credit card is canceled. The specific situation is as follows:

1. Cancellation of a credit card

Canceling a credit card means canceling the credit card, while the credit card account remains. In this case, if the cardholder still holds another credit card from the bank, the points will usually be transferred to another credit card and can also be used for redemption and will not disappear when the credit card is cancelled.

2. Credit card account cancellation

Account cancellation means canceling a credit card account. If this is the case, the cardholder's record will be completely deleted and the credit card points will disappear.

Therefore, if you choose to cancel the card, it is recommended that you transfer the credit card points to other credit cards in your name before canceling; if you choose to cancel the account, then redeem the credit card points before canceling the account. . But no matter what, credit card points still have many uses, it just depends on how you use them!