In daily life, cardholders often cancel credit cards that are not frequently used to avoid being charged annual credit card fees. So, can a canceled credit card be restored? Take Bank of China as an example, let’s take a look with the editor.

Can the Bank of China credit card be restored if it is canceled?

No. The Bank of China officially stated that "the status of a credit card cannot be restored after pre-cancellation, and the card cannot be used." And the balance will be zero 45 days after the pre-cancellation of the credit card account, and the account will be officially closed. To simply understand, after the cardholder cancels the Bank of China credit card, they can no longer use the credit card and cannot restore it.

How to deal with the balance when pre-closing a credit card account?

1. Spend or withdraw the balance, or transfer money through the financial management version of online banking or ATM before handling the pre-cancellation of the credit card account;

2. After pre-cancelling the credit card account, you can go to the local Bank of China counter with your ID card to handle the account cancellation and settlement business;

3. Credit card applications for pre-cancellation within 40 days can be processed Account cancellation and transfer business, transfer the balance to the Bank of China Great Wall credit card, debit card, current all-in-one pass, account or credit card in normal status under the person's name;

4. Apply to give up the balance in the account.

Can I apply again after canceling the credit card?

Card holders can directly apply for other Bank of China credit cards of different types. If they want to apply for the same type of products, they need to wait until the card is officially closed and apply again. submit.