如果没年费的话建议留着吧，因为影响信用分数还一项是 average age of all your accounts 所以如果你有一张卡只活了两个月的话，会拉低你的average age of all your accounts 具体可以看这里 [url=http://www.myfico.com/crediteducation/whatsinyourscore.aspx]http://www.myfico.com/crediteducation/whatsinyourscore.aspx[/url]