The card depends on a variety of personal factors.

1. Advantages of keeping credit cards: emergency use. In an emergency, credit cards can be used as a temporary source of funds to help you tide over difficulties. Establish a credit history and maintain a good credit card usage record over the long term to help improve your personal credit score. Points benefits, some credit cards have points, cash back or other preferential activities, which can accumulate additional value if used properly. Increase your credit limit, continue to use your credit card and pay your bills on time, and the bank may gradually increase your credit limit.

2. Considerations for canceling credit cards: Avoid annual fees. If the credit card has an annual fee and the utilization rate is low, in order to save costs, you can choose to cancel the card that is rarely used. Prevent the risk of fraud. Idle credit cards are at risk of fraud, especially if the card information is not properly stored. Control your spending. If you find it difficult to control your spending or often forget to repay your bills, which leads to overdue payments, canceling unnecessary credit cards can help you better manage your finances. Simplify financial management. Too many credit cards may complicate account management. Cancellation of unnecessary credit cards can simplify bill management.