If the credit card is not used, you should choose to cancel it in time. If you don't use it for a long time, you will generally have an annual fee arrears, which will affect your personal credit. In addition, online credit card swiping happens from time to time. If all the card information is stolen, it is very likely that the credit card will be swiped and the loss will be very large. However, inactive credit cards will be automatically cancelled after expiration.