> [banker refused to cancel a personal credit card because it was the bank's] The comment disappeared, but I wanted to illuminate ... Banks do have reasons fo

> [banker refused to cancel a personal credit card because it was the bank's] The comment disappeared, but I wanted to illuminate ... Banks do have reasons for delaying account closures: - good reason - delay closing until statements arrive and are paid. This is also commonly done with checking accounts in the US, which has delayed final settlement for inter-bank transactions. - bad reason - employees get rewards for signups and face consequences for cancellations. See Wells Fargo scandals.