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I have handled many credit cards, but only one or two are commonly used, and other credit cards will be idle. However, unlike savings cards, credit cards charge an annual fee, and the annual fee is often higher. In many banks, the annual fee of ordinary credit cards is about 100 yuan, while gold cards are higher. If you want to avoid the annual fee, you need to spend a certain number of times or a certain amount every year, such as spending more than 6 times a year, or spending more than 5,000 yuan a year, you can avoid the annual fee. Although there are ways to waive the annual credit card fee, if you have too many credit cards in your hand, it will be more troublesome to manage, and you may forget to swipe your card and charge a high handling fee. Therefore, if you have one more credit card, you really won't use it again. You'd better cancel or cancel your account.

Many people don't understand the difference between credit card cancellation and account cancellation, and don't know which one to choose.

Card cancellation means the cancellation of a single card. The cancellation of the credit card in the cardholder's name will not affect your use of other bank cards, but the bank will keep your name, address, credit status and other information. If you want to apply for the bank's credit card next time, you will be regarded as an old user and will not enjoy the discount for new customers.

Closing an account means eliminating all your account information in this bank. If you have two credit cards and cancel them together, the bank will no longer keep your name, credit status and other information. If you apply for a credit card in the bank next time, you will be regarded as a new customer and enjoy the card opening discount.

The suggestion is that if you have more than one credit card or savings card of this bank, choose to cancel it; If you only have the only credit card in this bank, and you won't use it again in the future, choose to cancel your account. The process of returning the card is very simple. Just call the customer service of the credit card and it will be done soon. The credit card in your hand is useless and can be destroyed by yourself.