It is not recommended to cancel the credit card if you don't want to use it, mainly because there will be some bad noises. According to the current status of credit cards, it is discussed in two situations: 1, a credit card with normal repayment.

I used a credit card before, which led to arrears. I repaid it on time and it was not overdue. Under normal circumstances, such a credit card can be cancelled at any time, but if you want to know clearly, it will still be recorded in the credit report after the credit card is cancelled, and simple basic information, such as the amount and the bank where the deposit is made, will still be displayed, but the status will become cancelled.

In this way, the next time you apply for a credit card from the same bank, the bank will find the previous cancellation record during the examination and approval, and will ask the reason for cancellation during the telephone review. It is not difficult to imagine how much impact it will have on the card again. There are also banks that can't become new customers even if they cancel their credit cards and apply again, and they can't enjoy the card opening ceremony for new households.

2. Credit cards with overdue records

Many people don't want to use their credit cards after they have been paid off overdue. They want to cancel their credit cards to get rid of bad records. As a result, they didn't expect the overdue records of credit cards to be displayed after cancellation, which was a bit wrong. It is important to know that the bad behavior of credit cards will not be eliminated until they are kept for 5 years from the date of termination, so writing off lead socks after overdue repayment cannot eliminate bad records.

On the contrary, because the credit card can no longer be used after cancellation, new records can not be generated to cover the bad records, and credit business may be rejected before the bad records are eliminated.