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The card issuer should send you a follow-up letter about the account closing. You could also check your credit report to see that the account has been closed. The card issuer can also cancel a credit card at any time.
A credit card can be canceled without harming your credit score2060; just remember that paying down credit card balances first (not just the one you're canceling) is key. Closing a charge card won't affect your credit history (history is a factor in your overall credit score).
Due to personal reasons, I don't need the credit card. Hence, I request you to terminate / cancel my credit card and the linked card account no. (write the credit card account no.) with immediate effect.
You can close your credit card without writing a letter, but sending a letter gives you physical proof that you requested your account to be closed.
Due to personal reasons, I don't need the credit card. Hence, I request you to terminate / cancel my credit card and the linked card account no. (write the credit card account no.) with immediate effect.
Consider the Timing and Impact on Your Credit. When you close a credit card, your credit score may be affected.Pay Down the Balance.Remember to Redeem Any Rewards.Contact Your Bank to Cancel.Don't Accept Their Offers.Write a Letter for Your Records.Check Your Credit Report to Ensure the Account Is Closed.
Send a cancellation letter Follow up with a brief letter to your card issuer stating your desire to close the credit card. Include that you want the account to be closed at consumer's request and include your name, address, phone number, account number, and the details of your call with the bank's representative.
Sub: Credit Card Cancellation Letter Dear (name), I am writing this letter to inform you that I need to cancel my credit card issued by your bank. I want to terminate the credit card from today. There are no dues on the card.
Dear Sir/Madam, I hereby kindly request you to cancel/close my credit card account. Details of which are mentioned below. Reason for card cancellation/closure: I have been using it recklessly for the last few months and it is affecting my monthly savings.