1. Extra credit cards from the same bank. Some users rely more on credit card spending and often have more than one credit card. But in daily use, only one or two people prefer to use it. Too many credit cards are not conducive to repayment management. After all, there are many kinds of credit cards issued by issuing banks, and most of the credit lines are shared. So there is no need to apply for so many credit cards. Cancel the extra credit card, and keep the commonly used one, so as to facilitate the withdrawal.

2. Credit cards with duplicate rights and interests. It is best to keep only one credit card with duplicate rights. In other words, card-issuing banks such as Guangfa Bank and Ping An Bank, which sold well, naturally missed the opportunity, and successively launched owner cards, only one card was selected and cancelled repeatedly, thus avoiding too many cards, forgetting to repay and losing them.

Third, don't use credit cards for a long time. Because this kind of credit card is used less frequently, even if it is lost or stolen, the cardholder may not be aware of it. There is no short-term impact, but handling loans involving credit information and other businesses will encounter unnecessary trouble. Therefore, in order to avoid subsequent losses, it is both worry-free and labor-saving.