Canceling a credit card will not affect your credit, but canceling a credit card improperly will affect your credit.

1. Unsettled card fees or annual fees: It takes a period of time to cancel a credit card. If fees are incurred during this period and are not settled, then the overdue fees will be reported to the credit report, thus Affect personal credit.

2. Create a bad impression on the bank: The use of canceling the card will create a bad impression on the bank, which will have an impact on the limit increase of other credit cards.