Whether canceling a credit card has an impact mainly depends on the purpose of the card. Under normal circumstances, credit cards that are normally used and have no bad records will not affect personal credit records after cancellation. If the cardholder leaves a bad record in the process of using the card due to overdue or other behaviors, in this case, canceling the credit card will have an impact on the personal credit record. For credit cards that have left bad records, you can only continue to use the cards normally, and then cover the bad credit records with accumulated credit records.