See if you have two independent primary cards or one primary card and one secondary card. If there are two master cards, then the credit is independent. If there is a main card and a pair, it is a shared line. The annual fee of Minsheng Credit Card Gold Card is 300, and it will be swiped 8 times this year, and the annual fee will be exempted in the following year. You can make a decision according to your own situation. If you want to cancel your card, just call.