How to cancel an Old Navy credit card application?

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How to cancel Old Navy credit card application through FinTechBrains

Old Navy offers affordable, stylish clothing, and their credit cards provide great discounts, rewards, and early access to new designs. Many customers save a lot with the card, so even after canceling, they often reapply. If you’re wondering how to cancel an Old Navy credit card application, it’s important to weigh the benefits before deciding.

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How to Cancel an Old Navy Credit Card Application?

Usually, Credit card applications are attended to within 30 days from the day you raise the request. A few bank’s response time is quick enough to address your issues ASAP. Old Navy credit card is backed by Barclays Bank and they usually process your Old Navy credit card termination request immediately thereby leaving you less time to reconsider your decision.

Connect with the Customer service-

Now that this is about reconsidering your decision to cancel your credit card, so you won’t find any online options to revert the process. The best, quick, and sure-shot way would be to phone the customer representative at 877-523-0478 to cancel your Old Navy credit card application.

Keep your Cancellation request ID ready – While you speak to the support team, keep your information on your cancellation request handy. You will be asked for your name, social security ID, and cancellation request ID to locate your application from the pool.

Barclays will be more than happy to cancel your credit card application only if-

1. Your cancellation request status is in process or yet to be picked by the team, the Barclays will cancel your Old Navy credit card application then and there taking into consideration supporting reasons.

2. Your cancellation request has already been approved. This means your credit card was canceled. Reactivating the same Old Navy credit card will result in a hard inquiry by Barclays to know the payment history of your credit card, why was it closed, and other reasons. Hard inquiries by lenders hurt your credit score.

3. Barclays wish–

If your credit card application was already approved, it’s up to Barclays if it wants to reactivate your credit card or not. You may have to apply for a new Old Navy credit card in the worst situation.

If your credit card application was rejected because you have unpaid penalties or balances, your credit card won’t be canceled until you resolve the issue.

Hence, it is always important to be cautious while canceling your credit card as a lack of intent could lead to a decline in your credit scores.

4. Waiting makes sense before opening a new credit card account

If your credit report was already hit by a hard inquiry from the above steps, make sure you wait for some weeks before opening a new credit card.

Opening a credit card triggers a hard inquiry again. Multiple hard inquiries in a short time, reflecting on your credit report gives a bad indication to the lenders, plus negatively affects your credit score.