This mainly depends on whether your credit card has been successfully canceled. Under normal circumstances, the prerequisite for canceling a credit card is to ensure that there is no outstanding balance or overpayment on the card, and then the bank will cancel the credit card for you. However, you have to wait 45 days to successfully close a credit card account. During this period, if no debt is incurred and no other amounts are recorded in the account, the account can be officially closed. If the account is successfully closed, a credit report will be issued. This means that your credit report will be updated within 45 days after the credit card is cancelled.
However, it should be noted that canceling a credit card may affect your credit report. If the canceled credit card had good credit and no overdue records, it will not affect your personal credit report. And if the credit card has an overdue record within 2 years before cancellation, although the debt may be paid off, the overdue record will not be erased. And if the credit card is cancelled, the overdue record will not be erased with your account cancellation. , may always follow you. In order to avoid credit card cancellation affecting your credit, it is recommended that you check your credit record before canceling the card. If there is no overdue date, you can cancel it with confidence; for credit cards that are overdue within 2 years, it is recommended to continue to use this card, swipe the card frequently, and repay on time. After using the card for 24 months, the card usage records generated by the system will cover the previous overdue cards. record, it will not be too late for you to cancel the card at that time.