It has been more than a month since the credit card account was closed and the credit report still does not show the account being closed. It is still in normal status. This is normal. Banks have not yet updated data. If the forty-five-day risk period has not passed, the account cancellation is officially completed. Just wait patiently.
The card can be officially canceled 45 days after the card cancellation application is submitted. The 45-day risk period is mainly due to the fact that most credit cards are not debited in real time; especially in foreign countries, online and offline card processing and other consumption often have to wait a long time before debiting, so you have to wait for a while after you first apply to cancel the card; During this period, the card cannot be used, but it has not been truly canceled; if there are any accounts that have not been credited before applying for cancellation, the consumer bank can still charge the cardholder corresponding expenses during this period; the card is truly canceled after the 45-day risk period. , the bank can no longer ask the cardholder to charge any fees.
Main Features of Credit Cards
Pre-deposit of cash is not encouraged. Spend first and repay later. Enjoy an interest-free repayment period. You can repay in installments (with a minimum repayment amount). Join VISA , Master Card, JCB and other international credit card organizations so that it can be used globally.
It is one of the fastest growing financial services today and is an electronic currency that can replace traditional cash circulation to a certain extent.
Has both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using their credit cards.
It is a high-tech product integrating financial business and computer technology.
Can reduce the use of cash currency.
It can provide settlement services to facilitate shopping and consumption and enhance a sense of security.
It can simplify the collection procedures and save social labor.
It can promote product sales and stimulate social demand.
Credit card repayment methods
The methods within the card issuing bank include: card issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.
Weiyintong POS mobile phone and Weiyintong POS mobile phone are a mobile financial system personal payment terminals that can be used to directly repay by swiping cards, as well as perform transfers and other services. Instant payment!
Transfer/remittance repayment is mainly divided into two methods: inter-bank inter-bank in the same city and inter-bank inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.
The more common domestic online platforms for online repayment include: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.
This method of convenience store repayment is mainly completed through the "Lakala" smart payment terminal installed in the convenience store. Generally, the payment time takes 2 to 3 working days. At the same time, using this There is no handling fee for repayment.
Counter repayment counter refers to bank cards issued by various networked financial institutions, which can be used to conduct RMB current deposit and withdrawal transactions through the counters of other bank branches registered in the UnionPay exchange center host system.
The "Xinpaytong" smart credit card phone for repayment is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center, and supported by financial services provided by China UnionPay's inter-bank information exchange network.
Repayment Tong uses "Repayment Tong" to repay, and the fees are generally charged according to the fee standards for intra-city inter-bank transfers and long-distance inter-bank remittances stipulated by the local People's Bank of China.
Other methods In addition to the methods mentioned above, card issuers have also opened their own unique repayment methods in order to facilitate cardholders' repayment.