1. You have to spend a certain amount every year to avoid the annual credit card fee.
2. There are too many credit cards, and sometimes the repayment date of each credit card is different, which will lead to your overdue repayment (I have five credit cards, which will affect my credit).
Nowadays, credit card crimes are more and more common, and too many cards will increase the risk! Of course, if you apply for so many credit cards, as long as you can repay them on time, it will not affect your credit. Cancelling unnecessary credit cards will not affect your credit.