With the popularity of credit cards, more and more people are beginning to apply for credit cards. Some people have 10 credit cards in their hands. While enjoying the excitement of shopping with credit cards, they are worried about overdue repayments. Therefore, the more credit cards the better, the important thing is to use them wisely. So, how can you make your credit card better? Now let me sort out several types of useless cards that need to be cancelled.

1. Low usage rate

Generally speaking, each person’s credit cards can be kept at 2-4. The more credit cards there are, the more credit cards will be used. There will be more cards that are not commonly used. If you have no credit card swiping record in the bank, it will definitely have an impact on your ability to increase your credit limit in the future. Therefore, it is better to cancel these uncommon credit cards, including foreign currency cards, all-currency credit cards suitable for overseas use, ETC cards, business cards and other credit cards with special functions.

2. The latest one

As mentioned above, too many credit cards will not only not help you increase your credit limit, but will also have a great impact on future loans. Therefore, credit card holders can keep credit cards that have been used for a long time, because the historical usage record of this credit card, including the repayment record of each period, will be recorded in your personal credit report, which will be your personal credit report in the future. strong proof. If you are already an old credit card customer of this bank, it will have a good understanding of your spending power and credit situation. When you handle other business with the bank in the future, the success rate will be greatly improved.

3. A credit card with a low limit and no hope of increasing it

There is no doubt that everyone wants to have a credit card with a high limit. After all, if the limit is very low, such a credit card won't help you when you need money urgently. You have to use it frequently and worry about repaying it in time without any overdue records. Therefore, it is recommended to cancel credit cards with low limits directly and focus more on credit cards with high limits or those that are easy to increase.

4. Different banks but homogeneous

There are many types of credit cards, and various banks have also launched many co-branded cards, such as Taobao co-branded cards, game co-branded cards, etc. When banks promote co-branded cards, they will provide some preferential policies to attract customers. If your new credit card and the credit card you hold are homogeneous products, such as China Construction Bank's car owner card and Ping An Bank's car owner card, they are both homogeneous products. Therefore, when you have homogeneous credit cards in your hand, it is recommended to only keep the one that suits you best.

5. Credit cards with lower benefits and fewer discounts

Credit cards will have discounts in many stores. The discounts of each bank are different, and the additional benefits of various credit cards are also different. You need to make a horizontal comparison before making a judgment. Credit cards with low rights and few discounts can be canceled directly.

The above are the several credit cards that I have summarized for you that need to be cancelled. It is recommended that you give up redundant companion cards and cards with similar benefits first, and choose credit cards that increase your limit quickly after consumption, so that you can make the most of your card. to maximum value.