If the credit card is not cancelled after it is not used, the annual fee will be accumulated. If it is overdue, once it is recorded, it will be troublesome to handle loans, credit card applications and other related matters in the future. Therefore, it is best to cancel the credit card before use. To cancel a credit card, you can call the customer service hotline of the credit card bank (which can be found on the card) to apply for cancellation. Before writing off, you must make sure that your debts have been paid off, and you must properly handle your points and don't waste them. After the card is cancelled, the magnetic stripe of your old card should be shortened to prevent it from falling into the wrong hands.

Legal objectivity:

Article 60 of the Law of People's Republic of China (PRC) Commercial Bank, commercial banks shall establish and improve the auditing and inspection system for deposits, loans, settlement and bad debts. A commercial bank shall regularly audit, inspect and supervise its branches.