If you don't need to cancel your debit card, take all the money on the card and throw it away. After a long time, it will be cancelled by the bank because of the annual fee owed to the bank, which will not affect personal credit.

If you don't have to cancel your credit card, you don't have to return it to cancel it. Just pay off the arrears on the card and punch in the customer service phone on the back. If you don't cancel your credit card, you will have a bad credit record due to the annual fee or other expenses owed to the bank, which will affect the handling of other credit businesses.