The transfer of card balance upon card account closure can be classified according to the device used for the online application into: transfer of card balance upon card account closure via desktop computer, transfer of card balance upon card account closure via laptop, transfer of card balance upon card account closure via tablet computer, and transfer of card balance upon card account closure via mobile phone. According to the method of online application for the transfer of card balance upon card account closure, it is divided into transfer of card balance upon card account closure by downloading the application and transfer of card balance upon card account closure without downloading the application. The transfer of card balance upon card account closure without downloading the application is further divided into transfer of card balance upon card account closure by filling in the form online and transfer of card balance upon card account closure by uploading information online. According to the repayment period, it is classified into short-term transfer of card balance upon card account closure, medium-term transfer of card balance upon card account closure, and long-term transfer of card balance upon card account closure. According to the repayment method, it is divided into transfer of card balance upon card account closure with fixed installments at regular intervals, revolving transfer of card balance upon card account closure, and transfer of card balance upon card account closure with only interest payment. According to whether there is collateral or not, it is divided into secured transfer of card balance upon card account closure and unsecured transfer of card balance upon card account closure. According to whether there is a guarantor or not, it is divided into guaranteed transfer of card balance upon card account closure and non-guaranteed transfer of card balance upon card account closure, etc.