The credit card (debit card) has paid off the debt, and it will not have any impact on personal credit if it is not cancelled. Subsequent users need to use credit cards (debit cards), so credit cards (debit cards) do not need to be cancelled. Or users don't need to use cards in the future, and credit cards (debit cards) will not be used and cancelled for a long time, which will not affect personal credit information, but will only affect the credit card (credit card) quota. Therefore, whether a credit card (debit card) should be cancelled after repayment mainly depends on the user's demand for the card.
Credit card (debit card) is not necessary. Users are usually advised to cancel, because unless the credit card (credit card) is free of the annual fee for life, it is necessary to swipe the card (credit card) to avoid the annual fee, and users who do not use the credit card (credit card) will be charged the annual fee.
2. Should the credit card be cancelled after the credit union loan is paid off?
Go to the bank to cancel. All right.
Let's see what others say.
3. ICBC's credit card has been processed. Can I cancel it after I use it? Do I have to cancel my bank card? )
After paying off the loan, if you don't want to use it again, you can take your ID card and card to the bank to apply for cancellation. You can use it like any other card if you want.
4. Do I need to cancel my credit card after repayment?
The credit card can be cancelled normally after it is paid off. After paying off all debts, you can call the credit card customer service to ask for cancellation. You can also take your ID card and bank card to the local bank for cancellation. Generally, the bank will freeze your account first, and then officially cancel the card after a period of time. For example, Bank of Communications freezes for 45 days, and then officially cancels the card.
If the bank card is not used for a long time, there will be certain expenses, including small fees such as annual fees. Different banks have different annual fees.