Closing a Credit Card Requires a ‘HARD CLOSE’ IN WRITING!
Closing a credit card requires a HARD CLOSE. It requires more than a simple phone call.
It is in your best interest to perform the following steps when closing a credit card.
Regardless of what you are told over the phone by the credit card representative, it is
important to contact the card company and get the exact address to submit your 'Request
to Close Credit Card' letter.
DO NOT accept the a promise 'over the phone' that the credit card company will close your
credit card account.
It is in your best interest to perform the following steps when closing a credit card.
Regardless of what you are told over the phone by the credit card representative, it is
important to contact the card company and get the exact address to submit your 'Request
to Close Credit Card' letter.
DO NOT accept the a promise 'over the phone' that the credit card company will close your
credit card account.
Submit your letter and reference your
name and include your account
number. In your letter request that
they 'HARD CLOSE' your credit card.
When you first apply for a credit card
you agree to use this language. If
you do not, the credit card company
has the right to maintain your account
and bill you for non-user fees,
including yearly fees according to the
agreement that you signed when first
applying for the card.
Make certain that you send your
letter "Certified Mail - Return
Receipt Requested".
name and include your account
number. In your letter request that
they 'HARD CLOSE' your credit card.
When you first apply for a credit card
you agree to use this language. If
you do not, the credit card company
has the right to maintain your account
and bill you for non-user fees,
including yearly fees according to the
agreement that you signed when first
applying for the card.
Make certain that you send your
letter "Certified Mail - Return
Receipt Requested".
Debt Solutions to help you improve your credit score!
Debt Credit Learning Center
In your letter, request a written confirmation acknowledging receipt of your request.
Finally, if you do not receive the letter of confirmation, follow up in 2 to 3 weeks with a
phone call. And then follow up another letter.
Your being proactive in ‘HARD CLOSING’ a credit card is very important to avoid any future
charges and maintaining a good credit report.
Finally, if you do not receive the letter of confirmation, follow up in 2 to 3 weeks with a
phone call. And then follow up another letter.
Your being proactive in ‘HARD CLOSING’ a credit card is very important to avoid any future
charges and maintaining a good credit report.