If the card has not expired when the credit card is cancelled, some banks stipulate that it is necessary to go to the designated outlets to handle the card collection business, and then go through the formal cancellation procedures after a certain period of time (up to 30 days).
This is mainly because if the cardholder has done a manual card pressing transaction before closing the account, the cardholder will have closed the account before the merchant submits the card pressing form to the bank for entry, and the bank will not be able to liquidate normally; On the other hand, if the cardholder is in consumption abroad or withdraws cash, it may take several days to settle the account. If the account is closed immediately, it will also affect the normal liquidation of the bank.
Extended data
A state-owned bank stipulates that "accounts with no transaction for two consecutive years and zero balance will be automatically closed". A joint-stock bank said, "If the customer's bank card is not used for a long time and the bank card status has been normal, then it will not be automatically cancelled."
At present, there is no handling fee for credit card cancellation. From the cancellation channel, the cardholder can either go to the branch counter, submit an application through online banking, or call the bank customer service staff. After receiving the application, the bank will immediately check whether there is any debt in the credit card account to be cancelled. If it is confirmed that there is no arrears at present, the card can be cancelled, and the cancelled card can no longer be used for consumer payment. It is suggested that the cardholder cut off the cancelled card and discard it.
Baidu encyclopedia-account cancellation
People's Daily Online-The suspension of credit cards may also affect the credit industry. It is recommended to cancel the idle card voluntarily.