Canceling a card will not affect your credit score, only arrears will.

It doesn’t matter how long it takes to cancel the card. The premise is that you have to consult the bank. Nowadays, it is generally not necessary to cancel the card immediately. However, some cards will incur annual fees.

Occasionally, banks will refer to your previous card cancellation records, but now that bank competition is fierce, this issue is a minor issue.

Credit card repayment tips:

For B card, the bill date is the 16th and the repayment date is around the 10th. For C card, the billing date is set to the 1st or the end of the month, and the repayment date is around the 20th;

In this way, the three cards are divided into ten days (10 days) and one repayment date, and they can be cycled . When you want to return card A, you can wear C, when you want to return C, you can wear B; when you want to return card B, you can wear A.

No matter how many cards you have, my suggestion is to divide them evenly every month, and evenly space the repayment dates.