Hello, if you no longer want to use your credit card, you can cancel it before it expires. After paying off all outstanding balances, you can apply to cancel the card over the phone or go directly to the bank counter. If you have the need for a small loan, it is recommended that you use Youqianhua. "Youqianhua" is the original Baidu financial credit service brand (original name: Baidu Youqianhua, renamed to "Youqianhua" in June 2018), with It has the characteristics of easy application, fast disbursement, flexible borrowing and repayment, transparent interest and fees, and strong security. The application materials are simple, the fastest is approval in 30 seconds, and the fastest is 3 minutes for disbursement. You can repay in advance, and after repayment, the amount can be restored and you can borrow money on a recurring basis. I hope this answer is helpful to you. Click below on your mobile phone to measure your balance immediately! The maximum borrowing amount is 200,000.