Generally speaking, cancellation is not a big problem, but if you have a lot of overdue records, you can't eliminate these overdue records after cancellation, so credit cards are convenient, but you still have to repay them on time, so our credit history will not be affected.

0 1. If the credit card is cancelled normally, there is no problem. In fact, if you cancel your credit card normally, there is generally no problem. After all, you can cancel your credit card if you can apply. As long as there is no debt on your credit card, there is no problem at all.

But if you don't pay off the debt, the bank will also let you cancel it after you pay off the debt, so the normal process of canceling the credit card will not have any impact on our life.

02. If there are many overdue records, canceling the credit card cannot eliminate these bad credit records. Many people think that a credit card has many overdue records, so they want to cancel it. In fact, this is very undesirable. You know, after you cancel, your overdue record will be recorded.

But if you continue to use this credit card, a good repayment record will also cover up your previous bad record, so it is unwise to cancel the credit card if there are many overdue records.

Credit card must be repaid in time, otherwise it will also affect our credit history. The biggest advantage of credit card is that it is easy to use and can be spent in advance. However, when we use credit cards, we must repay them in time, otherwise it will form overdue records and affect our credit records.

So if you use a credit card, you must ensure your good credit record and repay in time. Otherwise, it is easy to affect our loan because of credit problems.

It can be seen that if you don't owe bank fees and have no overdue records, there is no problem to cancel them, but if they are overdue records, you can continue to use them, and you can also cancel them after the good credit records cover the previous bad records.