1. The best way to pay off the credit card of China Everbright Bank for a long time is to cancel the card in time, otherwise it will form a bad record due to the annual fee owed to the credit card and affect the credit;
2. If the debit card of China Everbright Bank is not used for a long time, it can be cancelled in time, or the money in the card can be taken out directly without canceling the card. After a long time, the bank will clean up the cancellation card because the card owes an annual fee.