My credit card has been cancelled for more than a month, and it is not shown in the credit report. What if it's still normal?

It is normal that the credit card account has been cancelled for more than a month, but it is not shown in the credit report.

The bank didn't update the data.

Before the 45-day risk period expires, the account is officially closed.

Just wait patiently.

The card can not be officially cancelled until 45 days after the card cancellation application is filed.

The 45-day risk period is mainly because most credit cards have no real-time records;

Especially in foreign countries, online and offline card consumption often takes a long time to be recorded, so it takes a while to apply for cancellation of the card;

The card could not be used during this period, but it was not actually cancelled;

If there is an unrecorded consumer bank before applying for account cancellation, you can also charge the cardholder corresponding fees during this period;

After the 45-day risk period, the bank cannot charge the cardholder any fees.