Credit card cancellation will not affect personal credit. If your credit is good, there is no overdue record, no balance and no debt, you can cancel your credit card at the bank. If a bad credit record is left in the process of using the card, or there are outstanding debts on the card when returning the card, it will have an impact on the personal credit record. For credit cards that have left bad records, it is impossible to return the cards and erase the bad records. The correct way is to continue to use the card normally and overwrite the old bad credit record with the new credit record in the future.