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This credit card settlement certificate is usually used when applying for a loan. The bank will examine the applicant's financial ability and debt situation. If it sees multiple credit cards in the cardholder's name, it may ask him/her to Prove you are debt-free by showing proof of credit card balances.

In fact, it is still necessary to issue a settlement certificate after the loan is paid off, because it is a proof that you have paid off all the debt, so you can open it as much as possible. If you still need a loan later, such as a loan to buy a house or a car, and the bank finds out that you have a loan record, you may be asked to provide proof of loan settlement.