1. When you cancel a credit card, you may still have many cards from this bank. Even if you don't have a card from this bank, the bank actually keeps your name, address, credit status and other information. Moreover, you can also handle other businesses, such as changing card types and using another card, which can save the account opening fee.

2. Account cancellation: all the cards of the next bank under the cardholder's name are cancelled, and the cancellation of the whole account is the cancellation of the account. After you close your account, all other information will be deleted except your bad credit information. You are no longer a customer of this bank. So when you do other business, you have to go through the formalities from the beginning. So banks generally don't advise you to cancel your credit card account.