After users do not want to use credit cards, they can call the credit card center to apply for cancellation. Recently, a cardholder accidentally returned money to a cancelled credit card. In this case, how can I take out the money that has been repaid by the credit card? Let's have a look.

What if the credit card is cancelled and the money goes in?

1 If the card has been cancelled but the account has not been cancelled, credit card cancellation and account cancellation are two concepts, only the card has been cancelled but the account has not been cancelled. I can take my valid ID card to the credit card department of the local bank to handle related business, so that I can withdraw money. If you are sure you don't need this card, you can cancel the account directly.

2 If the card is cancelled, the account is also cancelled: in this case, the money cannot be successfully entered, and it will generally be returned in the same way, without processing, waiting for the money to be returned.

If the credit card is in the pre-cancellation period: after the credit card is cancelled, there is a pre-cancellation period of 45 days. If there is a transfer during this period, you need to take the cancelled credit card and your ID card to the bank counter to withdraw money.

Does credit card cancellation have an impact on credit reporting?

1. If it is a normal cancellation, although the credit was received at the meeting, it has little impact, because the cancellation of the credit card is not a bad record, but it may affect the re-issuance of the card in the same bank. For example, the cardholder cancels a bank's credit card and then applies for it. If he meets a real bank, he may not issue the card.

2. If it is an abnormal cancellation, that is, the credit card is paid off after it is overdue, it was originally thought that this could eliminate the bad record of the credit card. Here we can only say that this is a mistake. You should know that the cancellation of the credit card will still be shown on the credit report, and the overdue record will certainly not disappear because of the cancellation. On the contrary, because credit cards can no longer be used, overdue records can not be covered by new records, and credit business will not be so smooth in five years.

The above is the introduction of the processing method of changing money for credit card account cancellation, hoping to help everyone.