After the credit card is canceled, the points cannot be used because the credit card has been suspended. Only the repayment function is normal, and functions such as card swiping and points are also stopped. After the credit card is canceled, the points will be automatically It is cleared and cannot be used again, so it is recommended that cardholders redeem the points in the card before canceling the credit card.

If your credit card is frozen, the points in it are also locked and cannot be used. To use points, your credit card must first be unblocked. If your credit card is canceled, the points in the card will also be canceled and cannot be recovered.

When canceling a credit card, if you have points on the card but do not want to redeem gifts, you can negotiate with the card-issuing bank to transfer your remaining points to other credit cards you open with this bank. , whether it can be successful depends on the regulations of the card-issuing bank in this regard.

When a credit card is cancelled, the amount in the card needs to be paid off. If there is excess money in the card, it will be withdrawn. However, if there are points in the card, the bank will not actively redeem gifts for you. Confirm When the cardholder needs to cancel the card, it will be canceled directly.

If your credit card is frozen due to overdue repayment, cash out, etc., the points in the card will not be cancelled. After the normal functions of the card are restored, the points in the card can still be used. used.

Credit Card is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.

A credit card is a card with the name of the issuing bank, validity period, number, cardholder name, etc. printed on the front. [1] Consumers who hold credit cards can go to a special commercial service department to shop or Consumption is settled by the bank with merchants and cardholders, and cardholders can overdraft within the prescribed limit.

Institutional classification:

(1) According to different card issuers, they can be divided into bank cards and non-bank cards

(1) Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

(2) Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., and are used for purchasing tickets, meals, accommodation, entertainment, etc.

Card issuance objects:

(2) According to the different card issuance objects, it can be divided into corporate cards and personal cards

(1) Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal organizations.

(2) Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.