Now many people have one or two credit cards in their hands, and some cardholders will want to cancel their credit cards for various reasons.

However, some people are worried about the bad influence on themselves about canceling their credit cards. So, are the consequences of canceling their credit cards serious? Can they cancel their accounts directly?

generally speaking, when the user cancels the credit card, the credit card has no bad record such as overdue, so the cancellation of the credit card will not affect the personal credit of the cardholder.

however, if the credit card has been defective due to overdue and other circumstances, the cardholder should not cancel the credit card immediately.

the correct way is to continue to use this card and keep a good credit record for 2 years, so that the previous bad ones can be covered with the current good credit record.

In addition, if users often apply for a credit card and cancel it, it may also cause adverse consequences. This situation of cancellation after frequently applying for a credit card may increase the difficulty for users to apply for a credit card again.

because everyone's card application is recorded in the personal credit report, if the record of card application and card cancellation is excessive, when applying for a credit card again, the bank may think that the cardholder doesn't really have a demand for the credit card, and thus the user's application may be rejected.

There are two ways to cancel a credit card: card cancellation and account cancellation. If you want to cancel a credit card completely, the cardholder needs to provide an application for account cancellation. If you just apply for account cancellation, you can't completely cancel the account.

before applying for account cancellation, the cardholder should pay attention to all the credit card arrears, and the account cancellation needs to apply for the cancellation of all the credit cards of the same bank before the account can be cancelled.

after a credit card user applies for account cancellation, the bank will not handle the account cancellation business for the user immediately, and the account cancellation will take effect for a period of time, usually within 45 days. Therefore, the cardholder should call the bank customer service hotline again 45 days after applying for account cancellation to see if the bank has completely cancelled the account for the user.