How To Cancel An Amex Credit Card?

AmEX has been known to take good care of its customers. Most of their customers love how AmEx takes extra care of their loyal customers. Hence their users often upgrade their Amex cards to better offers and while doing this they wonder how to cancel an Amex Credit card before applying for a new one. 

How to Cancel an Amex credit card ?

Customers could opt for any below of the methods to close their Amex credit cards, 

1. how to do you cancel a Amex credit card online? 

This would be the quickest way to cancel your Amex credit card through the below steps, 

1.1. Login by entering your Amex account credentials.

1.2. You will be landed on the home page of your online Amex account. 

1.3. Select Chat option – Chat with the Amex representative to raise a cancellation request for your Amex credit card.

2. How to cancel an Amex credit card by phone?

 Calling customer support is also another quick way to cancel your Amex credit card. You just have to call Amex customer support at (800) 528-4800 and the Amex representative will direct you through the cancellation process. You can find the Amex support number on the back of your card as well. 

You may be asked a few security questions to vindicate your identity to the representative before talking more on the card. 

Remember not to share any sensitive information with the Amex representative throughout the process. 

They might offer you lucrative proposals and rewards to retain you as their customers. 

3. How to cancel an Amex credit card in person? 

Find a nearby Amex branch and Submit the form to cancel your credit card. You will find a representative at the venue who could help you understand the process and its consequences upon canceling your credit card.

4. How to cancel an Amex credit card through the mail?

 This is the slowest way to cancel your Amex credit card. It may take more time to get your card canceled. 

You could mail your written cancellation request to the below address, 

American Express P.O. Box 981535 El Paso, TX 79998-1535 

Note that closing your credit card affects your credit score, to avoid any negative impact on your credit score, you should be always mindful before canceling your Amex credit card. 

After Canceling your Amex credit card

1. Check Your Credit Report 

Ensure the card is marked “closed by consumer” on your credit report. 

2. Destroy the Card 

Cut up or shred the card. For metal cards, request an envelope from Amex to return it. 

3. Monitor for Final Charges 

o Keep an eye on any final statements for small charges or refunds after cancellation. 

4. Watch Your Credit Score 

Track your score to see how canceling affects it, if at all. 

Consider Other Options instead of canceling your Amex credit card. 

1. Downgrade Instead of Cancelling 

You might switch to a no-fee Amex card if you want to keep the account but avoid fees. 

2. Temporarily Freeze Your Card 

Some issuers offer a freeze option, allowing you to pause usage instead of canceling. 

How to cancel an Amex credit card YouTube? 

Frequently Asked Questions | FAQS

Does it cost to cancel Amex? 

No, it doesn’t cost any extra bucks to cancel Amex. The customer must pay any pending balance, interest, or unpaid fees.

Can I cancel my Amex card before my annual fee? 

Amex will refund you the annual fee If you cancel your Amex credit card within the 30 days of your last Annual fee you paid. After that, you don’t get any refund on your annual fee from Amex on your credit cards. 

Do I lose Amex points if I cancel my card? 

Customers have a 90-day breather to redeem their Amex points from the day they raise the cancellation request. Similarly, customers can transfer their Amex points to their other Amex card account(if any) in the same 90 days, post which they will lose their Amex points.