If you are also troubled by your credit card and want to stop it, then you have to follow a process. This process is very long.
You must have seen that these days the salesmen of the bank offer to give credit cards in malls as well. Apart from this, many phones also come in which offers are made for making credit cards and before making a credit card, you are given breathtaking promises with many conditions. After this, many people get credit cards made even when they are not needed. There are many people who do not have one or two, but have 5-6 credit cards. However, when the credit card has to be closed, it is very difficult.
If you are also troubled by your credit card and want to stop it, then you have to follow a process. You can get your credit card closed only after following this process. This process is very long. Many people stop using credit cards and think that their card will be discontinued, but this is not the case. For this, you have to close it with the whole process. In such a situation, you know what is the process of getting a credit card closed and how you can get it closed…
Bill will have to be paid first
Whenever you want to close a credit card, first pay the full balance of the bill. Even you have to pay annual fee, because if your credit is not de-activated by the bank’s system, then your annual fee will continue to increase. In this case, pay the entire outstanding balance first and only then proceed to the process of getting the credit card closed. Paying your dues makes your job much easier.
Apply for credit off
To get the credit card officially closed, you have to give a bank request for it. You can also give it through online medium and you can also email for it. In many banks, when you apply to close a credit card, the bank gives you a link to deposit the outstanding credit card bill and you have to make a payment from it. After this your request is forwarded. Please tell that you do not ask customer care to close the card and stop the credit card closure through a fixed process.
Must get confirmation
After this, wait for the confirmation of the card to be closed by the bank. Until a confirmation is reached, the entire process should be followed. Also, you should keep talking to the bank about what is the update of their application to get their cards closed. Rest assured when the confirmation comes and then cut and discard the card. After this, you can check the credit card report in a few months to see if the credit card is closed or not.
