1. If there is no overdue credit card, the consequences of canceling the credit card will not be very serious.

2. First of all, canceling a credit card will not affect your credit, provided that there is no overdue record on your credit card. If your bank card has an overdue record, the bank or lending institution can check it by accessing your personal credit report. Of course, overdue records will disappear after five years. It is recommended that if you have overdue records, you should not rush to cancel them. In fact, as long as you cancel your credit card through legitimate channels and have no bad records before, then canceling your credit card will not have any impact.

3. There are many ways to cancel a credit card:

1) Before canceling a credit card, be sure to check whether there are any unpaid debts in your account, and at the same time, there is no balance in the credit card. Do not have a balance;

2) When canceling a credit card, call the credit card customer service number to apply for cancellation;

3) Cancellation of a credit card is completely free and there are no cancellation fees. In short, if you want to cancel a credit card, you must take formal channels. Don't cancel the card casually. Before canceling the card, you must find out what your current situation is. Don't cancel it if you still have outstanding balances. This will have an impact on your other business operations in the future.

Card owners who use it properly will wish they could apply for more credit cards. Many card owners feel that credit cards are a burden, so they often choose to cancel their accounts. For credit card account cancellation, card owners also need to pay attention to some details, otherwise it may cause unnecessary trouble. Here are 3 important things to note to help you cancel your credit card correctly.

1) There is a big difference between canceling a credit card and canceling an account: Cancellation of a credit card and cancellation of an account are two different methods and cannot be used interchangeably. Credit card cancellation refers to a single card, while account cancellation refers to all credit card accounts registered with the card issuing bank.

2) If you cancel the card but not the account, you will not be able to enjoy the new account benefits: For credit cards, whether you choose to cancel the card or close the account, it is inevitable that you will have to apply again. No matter which one it is, the card owner can apply again.

3) Be cautious when canceling a credit card or canceling an account after it expires: When canceling a credit card, the card owner must pay off all outstanding balances before canceling the card or canceling the account.