How To Cancel a Chase Credit Card? 

Are you looking for credit cards with great rewards, travel perks, or better business offers? Chase credit cards offer solutions for all these needs. However, with new Chase cards offering enticing deals each year, many customers eventually search for how to cancel a Chase credit card. This blog will answer most of your questions on the topic.

Why would you consider canceling a Chase credit card? 

There could be a lot of reasons why would you want to close your Chase credit card but the few mentioned below could be worth considering, 

High APR– Some customers might find the Chase credit card interest rates to be higher, making it unsuitable for the customer’s financial budget. 

Rewards System – Some might feel the rewards system is not up to their expectations or a restricted redemption system might make them feel unhappy about the whole experience. 

Confused with Better opportunities – The credit card companies keep coming up with lucrative offers and systems year after year which might confuse the existing customers. One has to fix their financial goals before purchasing a Chase credit card. 

Fraudulent activities – Any suspicious transaction or hacked account could lead the customer to wonder how to cancel a Chase credit card. 

Once you have fixated your decision on cancelling your Chase credit card follow the below steps to cancel your card. 

Steps to cancel a Chase credit card? 

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

1. How do you cancel a Chase credit card online? 

Cancelling the Chase credit online could be the quickest way to raise a cancellation request through the below steps, 

1.1. Enter your credentials to log in to your Chase Account. 

1.2. Navigate to the Online card management section. 

1.3. Send a secure message – Select your credit card from the dropdown and send a secure message to the company. You could draft your customized message while raising the request 

2. How to cancel a Chase credit card by phone? 

You could call Chase customer support at 1-800-432-3117 and either ask how to cancel a Chase credit card or directly raise a cancellation request. You can also find the Chase customer support number on the back of your credit card. 

You will be asked a few security questions by customer support before confirming your cancellation request to avoid any spam. 

Make sure you don’t share any sensitive information with the Chase representative during this process. 

3. How to cancel a Chase credit card through mail? 

This process is the most sluggish way to cancel your Chase credit card. It might take more days than usual to complete the cancellation process overall. 

You could mail your written request to cancel the card to the below address, 

National Bank By Mail 

P.O. Box 6185 Westerville, OH 43086 

4. How to cancel a Chase credit card in person? 

Find a nearby Chase branch and Submit the form to cancel your credit card. 

Cancelling a credit card hurts your your credit score by increasing your credit utilization ratio. One should always have a strong reason to cancel their Chase credit cards at the cost of impacting their credit scores. 

What to do after canceling the Chase credit card? 

One of the common mistakes people often make is not reverifying or taking a status check on the cancellation request they raised before. 

Pending Dues-Sometimes, there could be credit due left to be paid and you must have just raised a cancellation request before clearing the dues. It’s important to clear your credit due amount before raising a cancellation request. 

Pending Cancellation Requests – At times, you might have submitted the cancellation request but there would be some hidden charges or credit due amount yet to be cleared which must have led your cancellation request into a pending state. 

The Chase company usually pre-intimates the customer while raising the cancellation request but there always will be room for errors. 

In such a case, your credit dues will be charged with interest. 

Get a confirmation – 

Follow up on your cancellation request after a week again to check the request status. If your cancellation of Chase credit card has been approved then ask for a written email or confirmation from the company. 

How to cancel a Chase credit card YouTube?? 

Frequently Asked Questions | FAQs 

Is it better to close a credit card or not use it? 

You can always keep your credit card active without using it. An open credit account increases your credit limit, which in turn minimizes your credit utilization ratio thereby positively reflecting your credit report. 

Hence not closing your Chase credit card and keeping it open with no or minimal dues could be a smart move to improve your credit score and trust. 

What happens when Chase closes your credit card account? 

Chase closing your credit card account could hurt your credit report. It will bring down your credit limit thereby increasing your credit utilization ratio and reflecting negatively on your credit scores. 

Are there any charges to close the Chase credit card? 

There are no charges to close your Chase credit cards. 

Your cancellation request will be denied if you fail to clear your credit dues before canceling your Chase credit card. 

Chase will continue charging interest on your due amount, which if not cleared with time will pile on reflecting negatively on your credit report. 

How to cancel a transaction on a Chase credit card? 

Any processed or approved transaction by the user cannot be canceled on your Chase credit card account. 

Even if you claim it to be a fraudulent transaction, Chase as a company is going to personally investigate the case and might also need a police report from you. 

Any user can cancel a pending payment on their Chase credit card by logging in to an online Chase account or raising a cancellation request of pending payments by contacting Chase customer support by phone.