Under normal circumstances, the bank will not handle it immediately after receiving the cancellation from the customer, and it will take some time. During this period, the bank will check whether the credit card is in arrears and whether the arrears are all settled.
Because the cancellation of the card may not be a complete billing cycle, even if all the bills received before are paid off, there may still be some arrears, so the bank needs some time to confirm, and the general banking cycle is about 45 days. After confirming that the cardholder has no arrears, the bank can cancel the card for the cardholder.
If the card has been returned, it is best to call the bank after 46 days to confirm whether to cancel the account, so as to avoid unnecessary troubles caused by the bank thinking that the card has been returned successfully for some reasons.
After canceling the bank credit card, I suggest you call the bank again and ask for cancellation. Although there is a word difference, it is completely different in nature. If you just return your card, you won't be able to enjoy the treatment of new customers the next time you want to apply for a bank credit card. If you cancel your account and apply for a credit card after a while, the bank can give new customers a discount.
Extended data
Most banks require the credit card to be settled when it is cancelled, but there is a handling fee for taking out the balance in the card. The staff of the credit card department of a state-owned bank said:
If the customer needs to cancel the credit card, but there is still a balance in the card, then the customer can withdraw funds from the card through the counter or ATM, or transfer the balance in the card to the other party's debit card through online banking. "If it is a peer in the same city to withdraw the balance or transfer money, there is no handling fee."
However, a number of banks said that it takes a handling fee to withdraw the balance in the card. The customer service staff of a credit card in a joint-stock bank told the reporter that if customers need to withdraw the balance in the card or transfer money, they will charge a fee of 1% of the amount, ranging from the lowest 3 yuan to the highest 100 yuan.
Public trust. How to cancel a credit card without wasting money?
Big river. Com- credit card cancellation is very different. Don't forget to cancel the account after canceling the card.