If the credit card is deactivated by the bank, it will have a certain negative impact on the credit investigation and affect the subsequent handling of credit cards and loans from other banks.

If the credit card cancels itself, there are two situations:

1. If the credit card never expires, cancel it. In this case, the cancellation of the credit card has no effect on the credit investigation.

2. After paying off overdue debts, the credit card will be cancelled. In this case, you can't cancel the credit card immediately. You must keep the repayment on time for a period of time (at least half a year, depending on the severity of overdue), and then cancel the credit card after the new repayment record covers the old overdue record. If the credit card is cancelled immediately after paying off the overdue debt, the bad credit record will always exist and will never be eliminated. In that case, credit cards and loans will be impossible in the future.