In general, whether a credit card can be used again after cancellation depends on whether it is cancelled or not. The card can be restored without cancellation, and it can be restored through manual customer service. If the card is cancelled and the account is cancelled, it cannot be restored. If the cardholder has gone through the cancellation procedures when returning the card, the credit card cannot be resumed.

First, the credit card cancellation stage:

There are two stages to cancel a credit card account: when a "pre-cancellation account" and a "formal cancellation account" cardholder applies for cancellation, if the account shows that there is no debt, the bank can cancel the account for him, but this is a pre-cancellation account, in order to prevent some overdraft bills from arriving late, that is, the merchant asks for money after cancellation. Although the credit card of the pre-sale account can no longer be used for payment, its account is still "alive" and the cardholder can still log in to the online bank to check the account information. Under normal circumstances, the bank will reserve 45 days as the liquidation period. After all possible merchant requests occur, the bank will officially cancel the account for the cardholder after confirming that the cardholder has returned all the arrears. It is worth noting that unless the cardholder explicitly requests that the account be officially closed after 45 days, the bank will officially close the account for the customer after one year.

Second, the difference between credit card cancellation and card cancellation:

1, cancellation quantity is different. Credit card cancellation only cancels the current card. If the non-main card is cancelled, it will not affect the use of other cards. Credit card cancellation means that all credit cards under the same account are cancelled, for example, the secondary card under the main card is cancelled.

2. The meaning is different. Credit card cancellation does not clear the credit card account information, but directly deletes the account, and the information such as points and bills in the card is cleared.

3. The card can be restored after cancellation. Choose a credit card cancellation card, because the account is reserved and the credit card can be restored after all cancellation. If you choose to close your account with a credit card, you can't restore your credit card after you close your account because you delete the account directly.

Extended data:

Measures for the Administration of Customer Identification, Customer Identity Information and Transaction Records of Financial Institutions, bank account information shall be kept for at least 5 years from the transaction bookkeeping year. 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 canceling the credit card, it may happen that the credit card is not recorded in time after consumption, resulting in some customers' credit cards still in arrears, which will generate "invisible" interest for a long time.