取消信用卡？

[ccc]

If you don't need, why apply in the first place. If you applied it, then manage it well.

Are you telling me what to to or just making a general statement?

Me? I now have only a total of 3 credit cards, of which one is still not activated yet.

But, by the way, I did cancel one creadit card about 3 years ago, 'cause I had two of them from the same bank though I didn't apply for the second one, which was sent to me for no reason.

 

[挺傻]

我不觉得取消信用卡会对你的信用记录起到负面作用。相反，如果信用卡过多，而且有拖欠行为才会对信用记录起到负面的作用。如果你没有拖欠过账单，并且是主动要求取消的，应该没有什么负面影响。
当然，任何事情都不能绝对。如果你一下子申请了好多，然后要求取消。取消过后再去申请，然后再要求取消，这样来来往往过多次，也难免会起到非正面影响。
如果只是偶尔正常要求取消信用卡，不会对你的信用记录起到负面效应的。

 

[toisanlao]

Contrary to some opinions here, canceling one's credit card has absolutely no bearing on one's credit rating. This is a neutral move.

There are many reasons why one would cancel their credit cards with valid reasons, one is that they receive bad service. How would canceling one's card under this circumstance hurt his/her credit rating?

 

[lifelife]

cancelling your credit is not a good idea since it will lower your credit score.
The reason is you cannot manage your finance well. Since you must thought well before applying your credit card, its not like you apply and feel "too much" cards and cancel.

--- Yes, it is. I heard from Bank said so. You can check with your bank.

However, if you have numbers credit cards, you'll get less mortgage if you apply for.

 

[oureal]

However, if you have numbers credit cards, you'll get less mortgage if you apply for.

房贷倒是没见到有什么影响，也可能每个银行处理的情况不一样。