The difference between credit card cancellation and account cancellation is as follows:

1. Credit card account cancellation means that the user cancels all the credit cards of the issuing bank under his name, while credit card cancellation Card cancellation is for a single credit card.

2. Account cancellation and card cancellation take effect at different times. Account cancellation will take effect at least 45 days later, while card cancellation is more convenient and quick, and the process is simple. After the cardholder submits the cancellation request, It will take effect immediately after application.

Note: Before canceling the account, you must pay off all credit card debts in the name of the issuing bank. If you have a credit card with bill installment or cash installment, you need to pay the full amount after the installment expires. Only after repayment can you apply for account cancellation.

Extended information:

Key points to note when canceling or canceling a credit card account

1. Before applying for account cancellation or cancellation of a credit card, you must ensure that you The points in the credit card have been redeemed to avoid wasting points. Because credit card points are consumption rewards given to users by the card-issuing bank, they can be redeemed for corresponding items at the card-issuing bank. After the account is closed or the card is canceled, all the points in the card will be reset to zero, so you must redeem the points before closing the account or canceling the card to avoid unnecessary losses.

2. When closing a credit card account, be sure not to use your credit card during the settlement period. Because there will be a 45-day "clearance period" before the credit card account cancellation officially takes effect. During this period, if you try to use the credit card again, the account cancellation will fail. Therefore, if you are not sure whether the account cancellation is successful, you can contact the card-issuing bank to inquire. Of course, if the user regrets the account cancellation before it officially takes effect and wants to withdraw the application for account cancellation, he or she can contact the card-issuing bank to re-enable the function.