Received a card that was not requested? Tired of bursting your budget with impulse purchases made on credit? Did you notice that you have more than ten card options in your wallet? It’s time to put a stop to this situation. So do not be caught off guard by remaining debts and fees, you need to be patient and cancel the card properly.
Check for debit balance or installment purchases on the card
Before even contacting the administrator to cancel your credit card, check your debit balance and if there are installments to expire. Remember that only the card holder can cancel the service. Another important reminder concerns the dependent’s cards: they will also be automatically disabled.
When checking your debit balance, be sure not to have fully paid the last invoice. The amount to be paid is calculated a few days before the card expires, so some purchases made after that date may not have been computed.
Call the customer service center
Once you know what your debit balance is and confirm that there are no more installments to win, it’s time to contact the customer service center to cancel the card. When talking to the attendant, confirm that there is no pending and the balance is completely removed. If you still have any remaining amount, check to see if it does, and if so, pay the debt immediately. Then, turn on the control panel again and cancel the card. Be sure to request the service protocol number. It will be critical if you have any problems in the future. For greater security, also write down the name of the person you spoke to, as well as the day and time when the call was made.
Stay tuned for confirmation of cancellation
The cancellation of your credit card must be confirmed by means of an official letter or by the receipt of a zeroed invoice, with no amount to pay. If you do not receive this confirmation in a few weeks, please call the service center again to find out what happened and confirm once again that the cancellation has really taken effect (contact us, have your protocol in hand).
What if I am renegotiating or have pending purchases?
In case of being renegotiated the debt, the best option is to request the request for suspension of the card, since anyone in this process can not cancel the same while the pending is not removed. As for the issue of open purchases, you can opt for cancellation, but keep in mind that in these cases, the company usually charges all portions of the purchase in one go.
After going through the entire process of credit card cancellation, you should (yes!) Break it or cut it with the scissors, preventing anyone malicious trying to use it incorrectly. Remember that you can cancel the service at any time: just make a decision that you no longer want to use this form of payment. Also, stay tuned to your outstanding expenses so you do not get headaches in the future and good luck with the process!
So what did you think of the tips Ever had a problem with cancellation of credit cards? Need to cancel the service and found these instructions useful? Do not forget to share your opinion with us!