Canceling the card will not have an impact on your credit report.

Canceling a credit card will not have an impact on your credit report unless two circumstances exist before canceling the credit card. For example, if you have an overdue record or have failed to repay your credit card debt, you will be forced to cancel the credit card. This will not happen. You cannot cancel the credit card without paying off the debt.

If your credit card is overdue, you can go to the bank or apply for an extension of repayment on your mobile phone. Once the credit card is overdue and exceeds the grace period specified by the bank, a credit report will be filed.