If you have too many credit cards, it is indeed better to cancel them earlier. Keep the credit cards that can meet your consumption needs and cancel the excess credit cards to avoid annual fee losses and make them more convenient to use.

There are usually two ways to cancel a credit card. One is to cancel at the bank counter. The cardholder needs to bring his or her ID card and credit card, and ensure that there are no unpaid debts and excess overflow in the credit card. Payment; one is to cancel the credit card directly through the bank's customer service number. You can call the customer service number and then transfer to manual service, and then tell the customer service that you want to cancel the credit card. Some banks can cancel directly through the customer service phone, while some banks may have to go to the counter to officially cancel. You can call the bank's customer service phone first to ask about the regulations of the card-issuing bank. After canceling, don't forget to confirm again after 45 days. Whether it has been logged out successfully to avoid unexpected situations.

In addition, if you complete the cancellation, remember to destroy the card immediately to prevent it from being used by criminals and damaging your own interests.