The number of credit accounts cannot be eliminated. According to the relevant regulations of China's central bank's credit management center, as long as the credit card that the user has handled, even if it has been cancelled, it will be counted, and the number of accounts cannot be reduced. But users don't have to worry about the number of credit accounts, because there is no impact on users, as long as it is not overdue.

The number of credit accounts refers to all credit card accounts, housing loans and other credit loans. In addition, it should be noted that the number of credit card accounts is not the number of users' credit cards, but the cumulative number of different types of accounts. Even if the user cancels the credit card, there is no way to reduce the number of accounts. Those that are successfully processed will always display the number.

Does it matter if the credit report shows that the account has been cancelled?

It didn't work. The credit information shows that the account has been cancelled, that is to say, the personal account of the credit card handled by the user in this bank has been cancelled, and all the credit cards under his name have been cancelled. Generally speaking, credit card cancellation only records the status of the account and will not have any impact on personal credit. If the user successfully applies for a credit card, he will open an account in the credit information and record the relevant information of the credit card, such as the amount of the next payment and the repayment situation. If the user cancels the credit card, the account status will be displayed in the credit report as cancelled.