When you cancel your credit card, the credit card customer service center should tell you to take out the extra money at the counter of the business outlet within a certain period of time, otherwise the credit card cannot be officially cancelled because there is extra money in your card. I don't know which bank your credit card is. That's what the Bank of China told you. The extra credit card will be officially cancelled two months later, and you can't spend any more during your card withdrawal period.