Credit card payment used to be a payment method used by many people, and it was widely used. However, with the emergence of new payment methods, fewer and fewer people use credit cards to pay, and many people have some useless credit cards. We should properly handle these credit cards so as not to affect ourselves. In addition, you can't easily apply for a credit card when you are not sure whether you have the ability to repay. ..... Specifically, we should take three measures to properly handle this problem: we can't handle credit cards when we are not sure whether they can be returned, cancel unused credit cards as soon as possible, and properly handle credit cards. 1, I can't get a credit card if I'm not sure if I can pay it back. The payment feature of credit card is to pay first and then pay back. If you don't have the ability to pay back the money, it will have a very serious impact on yourself in the future. ..... so you can't apply for a credit card if you are not sure whether you have the ability to repay. In this way, we can ensure that we will not get into trouble because we are unable to repay after credit card payment. We should cancel the useless credit cards as soon as possible. If the credit card is useless to us, then we should cancel it as soon as possible. ..... The reason for doing this is to avoid losses caused by misoperation on the one hand, and to minimize resource occupation on the other hand. ..... Fundamentally speaking, since the credit card is useless, it is meaningless to hold it again, and it should be cancelled in time, so as to completely solve this problem. 3. After canceling the credit card, properly handle the credit card. Cancelling the credit card only terminates the service, and the card itself may still be in your hand. ..... Although the related services have stopped, if you don't apply for a card, it may also bring adverse effects to yourself. ..... So when we cancel the credit card service, we should properly handle the credit card to avoid being used by others for other purposes, so as to avoid various problems.