It is better to cancel the account. Canceling a card only terminates the use authority of the credit card. After the card is canceled, the magnetic stripe information of the credit card is still there. Criminals can use the magnetic stripe information to continue using the credit card. In other words, even if your credit card is canceled, the risk of fraud still exists. . Account cancellation is different. After applying for account cancellation, the bank will know all your information, so the credit card will be completely invalid. Even if the credit card is obtained by criminals, it is just a card and has no effect. Therefore, for unused credit cards, closing the account is a better choice. Canceling a card refers to having multiple credit cards under the name of a certain bank and canceling one of the cards. Account closure refers to a person canceling all credit cards in a certain bank. Moreover, the account cannot be restored after the 45-day waiting period. If you want to use the card, you can only apply again, but it needs to be done after an interval of 6 months.