The credit card (debit card) has paid off the debt, and it will not have any impact on personal credit if it is not cancelled. Subsequent users need to use credit cards (debit cards), so credit cards (debit cards) do not need to be cancelled. Or users don't need to use cards in the future, and credit cards (debit cards) will not be used and cancelled for a long time, which will not affect personal credit information, but will only affect the credit card (debit card) quota. Therefore, whether a credit card (debit card) should be cancelled after repayment mainly depends on the user's demand for the card.

Credit card (debit card) is not necessary. Users are usually advised to cancel, because unless the credit card (credit card) is free of annual fee for life, it is necessary to swipe the card without annual fee, and users who do not use the credit card (credit card) will be charged annual fee.