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.