for a credit card that is well used and has no overdue record, it will have no influence on the personal credit record if the card is cancelled without balance or arrears. However, if the cardholder leaves a bad credit record in the process of using the card, or if the card has outstanding debts when canceling the card, it will have an impact on the personal credit record.

The credit information system is responsible for credit records, and the bank regularly uploads customer information to the system, and the system automatically puts it on record. Unless there are errors in bad records, there is no way to change them artificially. Improper cancellation of Guangfa Credit Card will lead to overdue (annual fee problem), so it is best to confirm whether the balance of the credit card is zero before cancellation, that is, there can be no arrears and no remaining funds; For arrears, it is really necessary to pay attention to the annual fee for inactive cards, because some cards will start charging after they have been approved. If the credit card cancellation procedure is improper, you may owe a lot of money. After the direct cancellation of Guangfa Credit Card, the cardholder still faces risks. On the one hand, the information on the magnetic stripe of the credit card still exists. If personal information is collected by criminals, it may be in danger of being stolen.