Whether to retain or not varies from person to person.

You can also keep it for emergencies.

Generally speaking, the interest rate of credit cards is relatively low, and membership fees can be reduced or exempted for a few fixed purchases each year. However, the use of credit cards should be based on your actual income level. Therefore, you can confirm whether you need to keep it according to your own needs. If not, just go to the bank with your valid personal ID to cancel it.