Your method is correct. According to the current bank's evaluation criteria for customers, personal financial situation, repayment ability and real consumption demand, it is appropriate to hold no more than five personal credit cards. Holding too many credit cards will affect the bank's credit evaluation of customers. Credit card cancellation has no negative impact on personal credit information, and individual banks (such as China Everbright Bank) have an impact on customers' cancellation of their unique credit cards. It will be more difficult to apply for a bank credit card in the future, but it will not affect the application. Personal cancellation is very different from bank card sealing. Personal cancellation has no effect on personal credit information. Bank card sealing is generally a restrictive measure taken by cardholders due to improper use of cards, which has a great impact on cardholders' credit in banks. In severe cases, the personal credit information of the People's Bank of China will be uploaded, which will have a systemic negative impact.