1. As long as the credit card is cancelled through formal channels, personal credit will not be affected. Provided that your credit card has no overdue record. If there are overdue records before, banks or lending institutions can find them through your personal credit report. Of course, the overdue records will disappear in a few years, but I still suggest that if there are overdue records, don't cancel them in a hurry and continue to use them for a while to make the credit card repayment records look better. Of course, if the cardholder is using this card,
2. Use a good credit card with no overdue record, and cancel the card when there is no balance or debt on the card, which will not affect the personal credit record. However, if the cardholder leaves a bad credit record after the expiration of the card period, or there are outstanding debts on the card when returning the card, it will affect the personal credit record.
3. For credit cards with bad records, it is impossible to return the cards and clear the bad records. The correct way is to continue to use the card normally and overwrite the old bad credit record with the new credit record in the future.
1. Credit cards, also called debit cards, are credit certificates issued by commercial banks or credit card companies to eligible consumers. The form is a card with name, expiration date, number and cardholder's name printed on the front and magnetic stripe and signature strip printed on the back. Consumers with credit cards can shop or spend in specialized commercial service departments, and then banks will settle accounts with merchants and cardholders. Cardholders can overdraw within a certain amount.
2. The credit card stipulated in the relevant laws of China (Interpretation of the NPC Standing Committee on the Provisions on Credit Cards in the Criminal Law of People's Republic of China (PRC)) refers to the electronic payment card issued by commercial banks or other institutions. Financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standard for public service was formally implemented, and the English name of the credit card standard was stipulated as credit card.
3. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when spending, and it will be repaid on the day of collection.
4. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card that the cardholder has a certain credit limit and can repay before spending within the credit limit; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of petty cash according to the regulations, and when the balance of the petty cash account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally only refer to credit cards.