There are two main ways to deal with idle credit cards (credit cards):

1. Card cancellation: Cancel a single unused credit card (credit card), which is owned by a certain bank. When you have multiple credit cards (debit cards), you can choose to cancel the card if only one is no longer in use. This will not affect other credit cards (debit cards) under the bank account.

2. Account cancellation: All credit cards (credit cards) under a bank are cancelled. If you still want to apply for a credit card (credit card) from that bank, you need to open a new account. After canceling the account, you need to apply for a card again. You can enjoy new user discounts.

If you really do not use a credit card (credit card) for a long time or do not plan to apply for a credit card (credit card) again, then it may be better to cancel the account than cancel the card. This can prevent criminals from obtaining personal information. The identity information will later be used for card replenishment and other operations.