You must wait 45 days to successfully cancel your credit card. If there is no debt or other amount in the account during this period, the account can be officially closed, and credit will be conducted if the account is successfully closed. In other words, the credit information will be updated within 45 days after the credit card is cancelled. If the cancelled credit card has good credit before and there is no overdue record, it will not affect personal credit information. If the credit card has an overdue record within 2 years before cancellation, although the arrears may be paid off, this overdue record will not be eliminated. If you cancel, this overdue record will not be erased with your cancellation, and may always follow you.