Before we cancel the card, we need to confirm whether our credit card has paid off all the debts. If there are still outstanding debts, we should pay them off first before canceling the card.

2, the overall processing

Before you cancel your card, check how many points you have on your credit card and what you can exchange, whether it's a gift or a phone bill. In short, don't let the points go to waste. If it is not exchanged, the points will be cleared when the card is cancelled.

3. Pre-sale account

Call the customer service center of the bank, go through the formalities of pre-cancellation, and ask how many days you need to wait for the liquidation period (usually 45 days). You can go to the bank branch counter to officially cancel the account.

4. Officially cancel the account

The so-called official account cancellation means that the cardholder applies for account cancellation first, and after 45 days, the banking institution that needs the credit card confirms that there is no debt in the cardholder's account. If there are any debts that need to be paid off by the county, all accounts can be cancelled. If you have a balance, you can close your account at the bank counter and withdraw the money saved in your credit card.

Extended data:

Cancellation of credit card is not the same as cancellation.

According to the Administrative Measures on Customer Identification and Customer Identity Data and Transaction Records of Financial Institutions, bank account information shall be kept for at least 5 years from the year of transaction records. Therefore, after the credit card is cancelled, the account still exists, and the customer can also check the transaction record of this credit card as needed.

At present, the interest-free period of credit cards will exceed 50 days at the longest, and there is also a time difference between billing date and repayment date. When citizens cancel their credit cards, there may be cases where credit cards are not recorded in time after consumption, resulting in some customers' credit cards still in arrears, which will generate "invisible" interest for a long time.

Therefore, when the customer cancels the credit card, it is best to call the customer service phone of the bank about 40 days after the card cancellation to confirm whether his account has been cancelled successfully, so as to avoid trouble in the future.

Baidu encyclopedia-credit card

People's Network-Credit card cancellation does not mean account cancellation.