As the saying goes: It is easier to invite the Buddha than to send him away. It's easy to apply for a card but difficult to cancel it. Don't think that it's easy just to make a phone call. Even if you cancel it, the card can actually continue to be used for transactions. Xiaobang’s tragic personal experience tells you with blood and tears that canceling a card is not that simple.

It was a drowsy afternoon when the sun was shining brightly. Xiaobang was dizzy for a moment, so he transferred the money to pay off other credit cards through Alipay and transferred it to a credit card that had not been canceled for a long time. Credit card on! Because Alipay repayment is more convenient, Xiaobang bound all cards to Alipay. After binding, only the last four digits of the card number are displayed. When there are too many cards, it is inevitable that they will be confused, and as a result, they will be transferred to the canceled card that day. I was really shocked when I received the SMS notification from the bank.

Quickly call customer service for consultation. The solution is to ask the helper to take the canceled credit card and my ID card to the bank counter to withdraw the money. Fortunately, the credit card was not thrown away after the card was canceled, and the money was withdrawn relatively smoothly. Otherwise, if the card disappears, it will be another troublesome matter. Moreover, Xiaobang later checked the regulations on withdrawing money after canceling the card. Some banks are quite perverted. You have to go to the province or even the city where the address registered on the ID card is located before you can withdraw it. If you are out of town, it will be very troublesome! You can only apply to reactivate the card and then spend the money. At the same time, many banks also stipulate that additional fees will be charged for reactivating credit cards!

After this incident, Xiaobang searched the Internet for knowledge about card cancellation, and then found out that there is a "pre-cancellation period" after canceling the card.

Many banks have regulations regarding the so-called pre-cancellation period. Within 45 days after canceling a credit card (the specific time varies among banks), the bank must confirm whether you have any other outstanding bills, such as Credit card information such as SMS management fees is still "alive". Canceled credit cards can also be reactivated.

With this provision, even after your card is canceled, you can still use it normally, conduct online transactions, and transfer money to the card. This means that if you throw away your canceled card at will, it may be picked up by someone with ulterior motives within these 45 days, and there is a possibility that it will be stolen. Therefore, during this pre-cancellation period, there are many potential security risks when using the card, and carelessness may lead to losses.

Xiaobang has seen a few typical cases:

◇? I received a debt bill more than 2 months after canceling the card. A Nanjing man canceled his card in October. Two months later, he logged into his mailbox and saw an electronic bill for the credit card, which showed that the account still owed 19 yuan. This amount is the interest paid on a credit card cash withdrawal at the end of September last year.

◇ You also have to pay the card cancellation fee. Ms. Chen from Harbin lost her wallet and credit card last month. She immediately called the bank’s customer service number to cancel the card. She thought it was safe, but she didn’t expect to receive a 35 yuan bill from the bank recently. It turns out that the amount owed was a card cancellation fee, which was deducted from the bill.

◇ Six years after canceling the card, I was told that my credit record was poor. Six years ago, Ms. Zeng from Zhuhai called repeatedly to confirm the cancellation of her credit card. She received affirmative answers from the bank many times, thinking that everything was fine. Unexpectedly, six years later, I wanted to get a loan to buy a house but was told that I couldn't buy it. The reason turned out to be that I had not paid off the 70 yuan credit card six years ago.

In these three cases, cardholders mistakenly thought that their debts had been paid off and that they would be fine after canceling the card. However, they did not know that some of the debts were not shown on the credit card statement. For example, management fees, SMS notification fees, etc., some banks do not deduct them in advance but at the end. During the intervening time, it will not be reflected on your credit card statement.

For the sake of safety, please be sure to call the bank’s credit card customer service number 45 days after cancellation to confirm whether the cancellation is successful, so as not to leave yourself with a bad record if the cancellation is not successful due to special reasons. In addition, do not throw away the canceled cards to avoid being stolen. If it is determined that it is not needed, it is best to cancel the card and the account at the same time.