canceling a credit card does not affect personal credit, but depends on the use of the credit card.

1. For credit cards with good credit information, no overdue records and no outstanding credit card balance, cancellation has no influence on personal credit report records.

2. If the cardholder has a bad credit record when using the credit card, or has outstanding debts when canceling the credit card, it will affect the personal credit record.

3. when canceling the credit card, make sure that all bank debts are paid. The arrears include not only the account, but also the annual fee and interest settled on the periodic settlement date.