Credit points are a bank incentive designed to encourage cardholders to spend. Suppose the cardholder wants to cancel the credit card, but there are still a lot of credit card points on the card. So where will the credit card points go? After a credit card is cancelled, will the points disappear and become invalid?

Whether the points will still be there after the credit card is cancelled, mainly depends on how the credit card is cancelled. We have made a detailed analysis of this in two write-off forms:

Are the points still there after the credit card is cancelled?

Only one credit card is cancelled, but the credit card account is still retained. In this case, if the cardholder also holds other credit cards, the points from the canceled credit card will be transferred together with the transfer, and can still be used for redemption in the future and will not disappear due to the cancellation of the credit card.

The credit distribution account is the credit card cancellation account. In this example, all credit cards under the bank's name will be deregistered at the same time. In this way, all bank records will be deleted and credit card points will disappear.

If you still have unused points on your card, you must carefully consider canceling it. If you choose to cancel the card, it is recommended that you apply to convert your credit card points to other credit cards under your name: If you choose to cancel the card, you must first convert the balance in the card to a credit card and then transfer it out.