Inactive credit cards can be cancelled. The cancellation of credit cards requires the user to handle it himself, and the bank will not take the initiative to cancel the user's credit card.

users can log off through the bank counter and call the bank customer service to log off.

cancellation of bank counter: the user can bring his valid ID card and inactive credit card to the issuing bank to cancel the business;

Call the customer service of the bank: the user calls the customer service phone of the bank, turns to manual service according to the voice prompt, and helps the user to cancel the credit card business after verifying the user's identity information.

will too many credit cards affect loans?

too many credit cards will affect loans. When the user applies for a loan, the bank will consider the user's repayment ability. If the loan amount of the user's credit card is relatively large and it is difficult to repay, the bank will reject the user's application at this time.