This is necessary. If you don't use it for a while, it may not be useless in the future. If you don't need a card, there will be a lot of unnecessary trouble if you don't apply for a card in the future. Moreover, the looseness of bank risk control will affect the amount of reissued cards and credit cards. If the wind control is loose, it will be easier to get on the card, and if the wind control is strict, it may not be able to get on the card; The bank's risk control will be looser, and the quota will be larger. The stricter the risk control, the less likely it is to increase the quota. So it is necessary to keep the credit card. Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back.