CCB Simple Platinum must be retained.

CCB Simple Platinum is a credit card product launched by China Construction Bank. It has many features such as no annual fee, points cashback, and discounts. Compared with other credit card products, Simple Platinum has a lower threshold and is suitable for ordinary consumers. In addition, the card also provides a variety of insurance services, such as travel accident insurance, shopping protection insurance, etc., to provide cardholders with more comprehensive protection. Therefore, CCB Simple Platinum is necessary to retain for those who need credit cards for consumption.

In addition, if the cardholder already has other credit card products that are more suitable for him or does not need the credit card for consumption, he can consider canceling the card.