The number of credit accounts cannot be reduced or eliminated. According to the regulations of the central bank's credit information center, all the credit cards I have handled before, even if they have been cancelled, will be counted, and the number of accounts cannot be reduced. Users don't need to worry too much about the number of accounts, as long as they are not overdue. According to the Law on the Management of Customer Identification and Customer Identity Data and Transaction Records of Financial Institutions, account information will be kept for at least 5 years from the year when the transaction is recorded. Even after the credit card is cancelled, the account information will be kept for a period of time. So after the credit card is cancelled, you can also check the transaction record of this card.