Chase cards AF always are charged on the 1st date of the month. You have up to 30 days from the statement close date to cancel with the AF reversed.

However, your DUE DATE of that statement would only be approx 21 or 25 days (Biz or Personal I cannot remember the exact numbers) from the statement closing date - therefore if you did not cancel before the Payment Due Date, you need to pay the AF to avoid late payment issue and then receive a credit back to the card if you do cancel it before the 30th day. You then ask for a refund check of that credit balance.

Dont wait passing the payment due date to cancel your card.