Credit card payment was once a payment method used by many people and has an extremely wide range of applications. But with the emergence of new payment methods, fewer and fewer people use credit cards to pay, and many people have useless credit cards in their hands. For these credit cards, we should handle them properly to avoid any impact on ourselves. In addition, we cannot apply for a credit card easily when we are not sure whether we have the ability to pay off the debt. ... Specifically, we should take three measures to properly handle this problem: not to apply for a credit card when we are not sure whether it can be repaid, to cancel unused credit cards as soon as possible, and to properly handle credit cards.

1. You cannot apply for a credit card if you are not sure whether you can pay it off.

The payment feature of credit card is to pay first and then pay off. If you use a credit card to pay without the ability to repay, it will have a very serious impact on you later. ... Therefore, we cannot apply for a credit card if we are not sure whether we have the ability to repay it. Only in this way can you ensure that you will not get into trouble due to your inability to pay off your credit card payments later.

2. For useless credit cards in our hands, we should cancel them as soon as possible.

If the credit card is no longer useful to us, then we should cancel it as soon as possible. ...The reason for doing this is, on the one hand, to avoid losses caused by misoperation, and on the other hand, it can also minimize resource usage. ...Fundamentally speaking, since the credit card is no longer useful, there is no point in holding it anymore, and we should cancel it in time to completely solve this problem.

3. After canceling the credit card, we should handle the credit card properly.

Canceling a credit card only terminates the service, but the card itself may still be in your hands. ...Although the relevant services have been stopped, if the card is not processed, it may also have an adverse impact on you. … Therefore, after we cancel the credit card service, we should handle the credit card properly to avoid being used by others for other purposes, so as to avoid various problems.