you should fully enjoy the benefits of its 56-day interest-free period. If you use a card when spending money, and the simplest and stupidest way to put cash in the bank, you can also earn 56 days of interest. It would be even more impressive to have other investments. It is very useful if your credit card has a high limit. The amount is low, and you don't need to overdraw your own economic strength, so it's better to cancel it. After all, credit cards have to pay an annual fee every year.