How do I close my Chase credit card without calling?

Asked by: Augustine O'Conner III  |  Last update: May 25, 2023
Score: 4.4/5 (6 votes)

If you don't want to call the number on the back of your Chase credit card, you can also reach Chase customer service at 1 (800) 432-3117.

How do I cancel a Chase credit card?

Credit Card: If your card has been lost, stolen or damaged, call us immediately at 1-800-432-3117. Go to for call center hours. Personal Banking: If your card has been lost, stolen or damaged, call us immediately at 1-800-935-9935.

Can I close my Chase account online?

The simplest way is to close the account online.

Just sign in to the account through Chase's website and under 'Secure message center', there's an option to send an email requesting to close the account. Within 2 business days, you should receive an answer that contains follow-up questions and instructions.

Can I close credit card online?

If your bank offers a “secure message center,” there's a chance you may be able to close your account online. You can send a message asking to close a specific account, and your card issuer might handle the process electronically without you ever having to pick up the phone.

Is it better to close a credit card or leave it open with a zero balance?

The standard advice is to keep unused accounts with zero balances open. The reason is that closing the accounts reduces your available credit, which makes it appear that your utilization rate, or balance-to-limit ratio, has suddenly increased.

How to Cancel Chase Credit Card Online without Calling (A Step by Step Guide)

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Does closing a credit card with no balance hurt your credit score?

Key Takeaways. Closing a credit card account is sometimes necessary, despite advice against doing so. A credit card can be canceled without harming your credit score⁠; just remember that paying down credit card balances first (not just the one you're canceling) is key.

Why you should never cancel a credit card?

You shouldn't close a credit card that has been open for a long time or a card with a high credit limit. Closing the account could negatively affect your credit history and credit utilization, and in turn, lower your credit score.

How many points does closing a credit card affect your credit score?

The numbers look similar when closing a card. Increase your balance and your score drops an average of 12 points, but lower your balance and your score jumps an average of 10 points. Two-thirds of people who open a credit card increase their overall balance within a month of getting that card.

Do unused credit cards close automatically?

There's no standard inactivity time limit, so it's difficult to predict when a credit card issuer will close your credit card. It could be six months, one year, two years, or more. You can prevent inactivity cancellations by using your credit card periodically.

How will closing a card affect credit?

Closing a credit card can also affect your score because it can lower the average age of accounts on your credit report, especially if it's an account that's been open for a long time. The age of your accounts is factored into your credit score, with longer payment histories bolstering your credit score.

How do I cancel a Chase credit card on the app?

How do I cancel a Chase Freedom Unlimited credit card? To cancel a Chase Freedom Unlimited credit card, call customer service at 1 (800) 432-3117 or log in to the Chase website or mobile app and click Help & support to view your options. Cardholders can also cancel an account in person at a Chase branch, or by mail.

Does Chase charge to close an account?

Each account takes a certain monthly fee in order to be maintained – but the good news is that if you choose to close it yourself, it is free. You can close the account by going to the bank yourself, by phone, online on their platform – even by sending them a mail.

Can I close my Chase account over the phone?

Yes, it is possible to close your Chase savings accounts and checking accounts. There are four ways you can close your account: Send a message online. Call by phone.

How do I close a credit card account?

If you still want to cancel your credit card after reviewing your options, follow our step-by-step guide.
  1. Pay off any remaining balance. Pay off your credit card balance in full prior to canceling your card. ...
  2. Redeem any rewards. ...
  3. Call your bank. ...
  4. Send a cancellation letter. ...
  5. Check your credit report. ...
  6. Destroy your old card.

What happens if you cancel a credit card with an annual fee?

If you do have a zero balance on the card and end up getting your annual fee refunded, you may end up with a negative balance. If this happens, the credit card company will send you a check in the mail. Make sure to make a note of it and follow up to make sure you receive a refund check.

Does Chase close inactive credit cards?

Chase: Will close after 6 months of inactivity. They will send you a letter inviting you to use your card to prevent it from being closed. Citi: Will close accounts after 15 months of inactivity. They may notify you beforehand.

Is it good to keep credit cards open with no balance?

Closing a credit card with a zero balance may increase your credit utilization ratio and potentially drop your credit score. In certain scenarios, it may make sense to keep open a credit card with no balance. Other times, it may be better to close the credit card for your financial well-being.

How long does it take for a credit card to close on its own?

You're in default.

If you stop paying entirely, the card issuer will understandably not want to advance you any more credit. And if you haven't made a payment for 180 days (about 6 months), the company is likely to close your account.

How do I get rid of a credit card without hurting my credit?

  1. Consider the Timing and Impact on Your Credit. When you close a credit card, your credit score may be affected. ...
  2. Pay Down the Balance. ...
  3. Remember to Redeem Any Rewards. ...
  4. Contact Your Bank to Cancel. ...
  5. Don't Accept Their Offers. ...
  6. Write a Letter for Your Records. ...
  7. Check Your Credit Report to Ensure the Account Is Closed.

What is considered a good credit score?

Although ranges vary depending on the credit scoring model, generally credit scores from 580 to 669 are considered fair; 670 to 739 are considered good; 740 to 799 are considered very good; and 800 and up are considered excellent.

How many credit cards is too much?

How many credit accounts is too many or too few? Credit scoring formulas don't punish you for having too many credit accounts, but you can have too few. Credit bureaus suggest that five or more accounts — which can be a mix of cards and loans — is a reasonable number to build toward over time.

Is it better to close credit cards once paid off?

If so, the short answer is usually no, you don't need to close the accounts. Paying down or paying off your credit cards is great for credit scores, but closing those accounts will likely cause your credit scores to dip, at least for a little while. This is especially true if you close more than one card.

What is the highest credit score?

It's considered the unicorn of the financial world: a perfect credit score, the highest number a consumer can achieve within a credit scoring system. For the FICO® Score , one of the most commonly used credit scoring models, that mythical and seemingly impossible figure is 850. (FICO® Scores range from 300 to 850.)

Does closing a bank account hurt your credit?

The good news is that, unlike closing a credit card account, closing a bank account generally won't hurt your credit score.

Can I close my Chase account if it's negative?

In general, closing a Chase checking account will not hurt your credit score. However, it could damage your score if you close it with a negative balance. Closing a checking account with a negative balance can also make it difficult for you to open another checking account in the future.