Example 1: Mr. Qiu, a citizen of Nanjing, cancelled a credit card in October last year, but when he accidentally logged into the mailbox a few days ago, he found an electronic bill of the credit card, which showed that 19 yuan was still owed in the account. Mr. Qiu was a little puzzled about this. "It is obvious that the card was cancelled more than two months ago, how can there be any debt?" Is the bank wrong? " After some inquiries, it was found that the arrears in Mr. Qiu's account were the cash withdrawal interest paid for a credit card withdrawal at the end of September last year.
Xiaocai reminds me that the card cancellation must be done in person, and the bank will confirm whether the card cancellation is successful 45 days after applying for the card cancellation, because it takes 45 days to cancel the credit card, because the bank will officially cancel the card for you only if there is no debt and balance on the credit card account and there are no negative records such as overdue.
example 2: credit card cancellation still generates arrears?
Ms. Chen in Harbin lost her purse and her credit card last month. She immediately called the customer service of the bank to cancel the card, thinking that it was safe. She didn't want to receive the bill of 35 yuan's arrears from the bank recently. She called the bank again and learned that the original debt was the card cancellation fee, which was deducted from the bill. "The bank said that in addition to canceling the card, the credit card had to cancel the account."
Xiaocai tip: canceling a card and canceling an account are two different things. Cancellation of a single card means cancellation of a credit card under the name of the holder; The cancellation of the whole household is the cancellation of the account, which means the cancellation of the holder's entire account, and all the cards of a bank under his name will be cancelled.
Xiaocai's opinion:
1. Before cancellation, it is normal to check whether there is any debt in the credit card, but in some cases, the bill can't be seen, which simply makes people mistakenly think that they have paid off the debt.
2. Pay attention to whether there are management fees for credit cards, such as SMS notification fees. Some banks deduct them not in advance, but eventually, which will not be reflected in the credit card bill in the middle time.
3. Don't throw away the cancelled credit card anywhere. Cut the magnetic stripe before throwing it away to avoid being stolen by criminals. "