As we all know, card cancellation means canceling a credit card in a certain bank, and account cancellation means the cardholder cancels all credit cards in a certain bank, and also cancels the personal account. Although canceling a credit card or canceling an account can achieve the purpose of canceling a credit card, is it better to cancel a credit card or cancel an account? Let’s take a look at it together. Is it better to cancel a credit card or close an account? For people who have no overdue records and want to cancel their personal information in a certain bank, they need to choose the account cancellation method. Closing your account means that the bank will delete all your personal information. If you want to apply for a new credit card, you will need to fill out all the procedures again. Therefore, if you are planning to no longer use one of the credit cards, you can choose to cancel the card. If you want to delete your personal information, you can choose to cancel the account. For credit card holders with overdue records, if they have overdue and other bad records on their credit cards, even the account cancellation will be recorded. Therefore, you must pay off your account balance before canceling your account or card, and use good card usage records to cover up bad overdue records. Summary: If you simply want to save money or reduce one credit card, the cardholder can choose to cancel the card. If you want to become a new customer of the bank, you need to pay off the balance first and then cancel the credit card.