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kmp | Canceling a credit card!? |
I want to cancel my credit card but i need to write a letter to the company! Can you give some ideas to write this letter!? What things should i write!? |
 |
 
Rich Z
 |
Stick to the basics. Say "please immediately cancel my VISA Credit Card with number 1234 5678 90112 3456. If there is a balance due please bill me for it. I am destroying my card now. Please notify the credit agencies that this card was canceled at my request." |
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echo
|
Your name
address
Company name
address
Dear Sirs,
I am canceling my credit card with <creditor>. Card number 123456789
This credit card is at a zero balance and no charges are pending.
Sincerely,
Your name |
|
pepper
|
Date:
To: Your Credit Card Company
Regarding Account Number, Name
To whom it may concern,
Please consider this letter authorization to close the above listed account immediately.
Thank you.
Sign
Accountholder |
|
David L
 |
You should just write a letter to them, giving your account number and tell them you want to cancel your account. Nothing elaborate... just tell them to cancel it. You may be able to do it on the phone, but some companies like it in writing.
If you are totally disgusted with them, you can say that. I did that with one of my credit cards and told them exactly why I was cancelling. If their service sucks, let them know. If the interest rate is too high, let them know.
Otherwise, just have them cancel it. Thats all you need to do. |
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Carlos Cruz
|
It is important to contact the card company and get the exact address to submit your 'Request to Cancel' letter.
DO NOT accept the 'over the phone' close.
When submitting your letter, reference your name; account number and request that they 'HARD CLOSE' your card.
If you do not use this language, the credit card company has the right to maintain your account and bill you for non-user fees and yearly fees according to their contract.
In your letter, request a written confirmation acknowledging receipt of your request.
Make absolutely certain you send your letter "Certified Mail - Return Receipt Requested".
Finally, follow up in 2 to 3 weeks if you have not received the letter of confirmation with a phone call and a follow up letter.
Your being proactive in HARD CLOSING a credit card is very important. |
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Nefertiti
 |
You will have to pay off your balance before you can cancel the credit card. Look on the back of your most recent statement for the address to which you are to send "inquiries."
Address your letter to that address, and include your name and account number. Simply state that effective immediately you wish to cancel the account. You should send it via certified mail so that you have proof of delivery in the event of a dispute.
You can also just call to cancel the card, but again your balance must be paid off. |
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Kayleigh
 |
That doens't make sense, you should be able to just make a phone call and cancel it |
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Coley
|
try to call the number again on the back of the card. ive cancelled a card over the phone before. get the name of the people you speak with. if you have to write a letter explain why you are cancelling, the card number, exp. date, name, etc. its weird they would do it over mail and not the phone. at least over the phone, you could give personal info..i wouldnt feel as safe sending it in the mail |
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knowitall
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tell the company you enjoyed the services provided, but at this time its better for you to learn to manage your money better. tell them when the time is right their company will be the first one you would call again. |
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Ingrid
 |
Rich Z has the correct answer. State that you are cancelling your card and that they need to note it as a cardholder's request. Be sure they do not report to the credit agencies that they initiated it.
That would make it seem that you have been deliquent or something negative. |
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