Why is it easier to open a credit card than to cancel it?

It is easy to open a credit card, but difficult to cancel it. In fact, it is more difficult to apply after canceling the card, isn't it? I used to run a bank card, but later it was inconvenient to carry because there were too many cards. There is no need, so I have to deduct the fee and simply cancel the card. There is nothing more coincidental than this. I need this card urgently in a few days, and the bank said it would take six months. . . . So, I learned from a painful experience and sorted out the related matters of re-issuing cards after cancellation. I don't think I don't need to look at this closet, because I am very skilled. I can share it with my friends today. Abnormal card withdrawal will affect your re-application. If the credit card is used well, canceling the card without balance and debt will not have a bad influence on your personal credit record. However, if the cardholder has a bad credit record in the process of using the card, or there are outstanding debts in the card when returning the card, it will have an impact on the personal credit record. If you try to rewrite your bad record by canceling your card and issuing a new card, it may be difficult to succeed, because your bad record will cause the bank to refuse to issue you a credit card again. Because the cardholder's income level and consumption habits always change with the change of the external environment, for example, when you are an ordinary white-collar worker in Hunan, you can enjoy more discounts from shopping and catering businesses by setting up a colorful city card in China Bank. After that, you need to go abroad for one year, and you may need to cancel your previous credit card and apply for a new study abroad card or a multi-currency card to meet your own needs. Of course, some users like to have different credit cards in different banks, and there is no need to cancel them. Before, a friend told me that she obviously cancelled a credit card through telephone banking last year, but it was overdue this year. It turned out that when she returned the card through telephone banking last year, the bank found that there was still 5 yuan balance in the card, so the bank asked her to collect the balance, but her friend thought that the five yuan was not worth a trip, so she ignored it and thought it was the default card return, but in fact, the bank's card return process was not completed, so she would receive an overdue notice. In fact, if you return the card normally, you should leave no "tail" and prepare the relevant ID card to ensure that there is no debt in the card (if the deposit amount is small and you don't want it, you must explain it to the staff and ask them to return it). For most banks, it will basically not affect your subsequent credit card application. In addition, after the cancellation of the credit card, you can't throw it around at will, because the card contains a lot of personal information, and even some places can use it only by the card number. You should carefully collect it yourself or cut out the magnetic stripe and give it to the bank counter, which will crush it specially.