My Minsheng credit card was suspended after three months overdue. I don't want to use it after I have paid all the money I owe. Do I still need to cancel? Because if you want to cancel it, you must return it. ... You must read my advice carefully!

Never cancel this card after you have paid off all your debts. If you cancel this card, your credit stain will remain in the credit information system of China People's Bank for five years or more.

If you don't cancel, even if your credit card can't be activated, Minsheng Bank will not let you activate it. You should also take care of the card and don't cancel it. Wait another two years. After two years, your stain will be gone in the credit report. I'll cancel it then.

Of course, if Minsheng won't let you activate your credit card. You will not be able to swipe your card for free. You must pay the annual fee. But the annual fee is one hundred dollars. So don't cancel either. Just wait for the annual fee to be generated, find out how much you owe and hand in the money. It's been two years. Check the credit report. If there is no stain, you can cancel the card.