Hello, do you dislike the low quota and don't want it? Then I suggest you activate it and cancel it. First of all, even if the credit card is not activated, it is recorded in the cardholder's personal credit information system. Under this premise, if the cardholder wants to apply for a new credit card or loan in the future, it may be affected. Banks will consider that cardholders have integrity or do not need to open multiple credit cards, otherwise the success rate of credit card loan approval will be reduced. Several methods of credit card cancellation 1, directly take the ID card to the bank for cancellation; 2. Call the bank's customer service phone to cancel manually. You need to go to the manual service and answer a series of personal information, such as ID number, contact number and home address. After manual cancellation is selected, the credit card will be automatically cancelled the next month after applying for manual cancellation. 3. Actually, inactive credit cards don't generate any fees, and they don't need to be closed, and they will be closed automatically after expiration. As long as there is no charge. Precautions: If the credit card is not handled in time after cancellation, it may be copied by criminals.