It is not absolute that the first credit card cannot be cancelled.

If there is only one credit card in a bank, it is best not to cancel it, especially if you have not opened a card. Because the cancellation will also be recorded in the credit information system, it will affect the replacement of the bank's credit card, and the bank will raise the audit requirements for the second card and will not easily approve the card.

If the second and third cards have been issued, it doesn't matter much to cancel the first card. Nowadays, many banks limit the number of cards handled by the same bank, and multiple credit cards are not conducive to management. If the amount of the first card is low and the rights are average, it can be cancelled.

Second, credit cards.

Credit card, also known as credit card, is a credit certificate issued by commercial banks or credit card companies to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).

Third, the repayment method of credit card

1, the issuing bank repays.

This method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.

2. Micro-silver POS mobile phone

POS mobile phone of Weizhong Bank is a personal payment terminal of mobile financial system, which can be used for credit card direct repayment, transfer and other services, and can be received immediately.

3. Transfer/remittance repayment

Mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.

4. Online repayment

Common domestic network platforms are: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay and so on. Choose different platforms and banks, and the charging standards and specific arrival time are different.

5. Payment by Xinfutong

"Xinfutong" smart card phone is an innovative electronic product independently developed by China UnionPay, certified by Bank Card Testing Center and supported by financial services provided by China UnionPay's inter-bank information exchange network.