Many users think that the more credit cards they hold, the better. In fact, this is not the case. Real card users can enjoy wool discounts with only one or two credit cards, and the limit is very high. Therefore, users should not hold too many credit cards, and it is best to cancel all credit cards that are not commonly used, otherwise it will bring serious adverse effects. So, which credit cards can be canceled? Anyone who meets these points can log out!

1. Credit cards with low usage rates must be canceled. Generally, a maximum of 2-3 credit cards are used. If the user holds more than the number of credit cards, he or she can choose to cancel the credit cards that are not commonly used. Because unused credit cards will incur annual fees and will also affect the results of subsequent credit card balance increases. Therefore, it is better to cancel such low-usage credit cards.

2. Cards from different banks but with serious homogeneity must also be cancelled. There are many types of credit cards on the market, and various banks have issued credit cards with various functions. When credit card application platforms issue credit cards, they will use many preferential policies to attract users to apply for cards. This has resulted in many users applying for multiple homogeneous cards at different banks. Seriously credit card. Faced with this situation, it is recommended that users cancel credit cards that are highly homogenized under similar comparisons.

3. Cards with low limits and difficult to increase limits should also be cancelled. Only a credit card with a high limit can help users solve their urgent needs. If a user often uses a credit card with a low limit, he will not only have to make repayments and annual fees, but also need to use another credit card due to insufficient limit. Therefore, it is best to cancel a credit card with a low limit that is difficult to raise.

4. Credit cards with few discounts should also be cancelled. Because the credit card market is huge and competition among banks is fierce, credit cards with more discounts will be launched. If the user's credit card has very few discounts during use, he may wish to cancel the process directly and apply for a credit card with more discounts. Therefore, you can compare and choose a credit card with greater discounts to apply.

Users can check the credit cards in their hands. If there is a credit card that meets the above conditions, they can cancel it directly to avoid serious adverse effects. In addition, during the process of using the loan, users should also pay attention to maintaining good card usage behavior, repaying the loan in full and on time, and avoiding overdue situations.