45 days. According to the China Financial Times. Com, when users apply for canceling their credit cards, banks will not cancel their credit cards, and credit cards will enter a 45-day risk period. After 45 days, the bank will cancel these cards. Therefore, they can apply for cancellation of their credit cards within 45 days after cancellation. If they choose not to cancel, the card will no longer be used and stolen within 45 days, and the expenses will be borne by the users themselves.