If the limit is too low and you don't want to use it, you can cancel the card directly. If you still want to use it, you can slowly increase the limit. The limit is not fixed, it will change with your use, and the limit can be increased.

If the amount is too low to be used, if it has been activated, it is necessary to apply for cancellation on the premise of paying off the arrears; If the card is not activated, it can be cut off and thrown away without cancellation. Generally, there is no annual fee, which does not affect credit (except special cards such as platinum card).

Credit card cancellation method:

1. Telephone card cancellation: the cardholder can call customer service to apply;

2. Selling cards at outlets: Some banks let cardholders bring their ID cards and credit cards to any local outlets to sell cards. After completing the application form for account cancellation, the bank will report a copy of the cardholder's ID card and the completed application form for account cancellation to the head office. After a period of time, the cardholder can call to check whether his credit card has been cancelled.

3. Selling cards at designated places: A few banks need to sell cards at designated places.