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. You may find yourself fighting with the credit card company to delete charges after you close your account.
Submit your letter and reference your name and include your account number. In your letter request that they 'HARD CLOSE' your credit card.
If you do not use this language, 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. Paying fees on a credit card that you are no longer using is not in your best interest.
Make certain that you send your letter "Certified Mail - Return Receipt Requested".
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 a follow up letter.
Your being proactive in ‘HARD CLOSING’ a credit card is very important to avoid any future charges and maintaining a good credit record.
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