These 45 days are the checkout days of major credit cards. Even if all the bills you received before have been paid, there may still be some arrears, so it will take some time for the bank to confirm. Therefore, after the final bill comes out, it will take about 45 days to officially cancel the card. It is worth noting that within 45 days of the last audit, users must not have any new accounts, otherwise they will not be able to cancel their cards.

The card has not been cancelled, and some banks can call the customer service center. Of course, if you want to cancel your card, this is also an opportunity.

Card cancellation and account cancellation

1. The card withdrawal application will be accepted once and take effect immediately; The application for account cancellation generally takes effect after 45 days.

2. The cancellation of a single card is the cancellation of the card, and the cancellation of the whole household is the cancellation of the account. Once the account is cancelled, all the bank cards under its name will be cancelled.

3. Only cancel the card. If you apply for a credit card from the same bank next time, you won't be able to enjoy the treatment and preferential treatment of new customers, and canceling the account can avoid this problem.