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American Express offers a variety of credit cards that cater to the needs of different individuals. You can apply for the card as per your eligibility and requirements. However, you can also close your credit card if you think it is not a suitable option for you. Read on to know how to close American Express credit cards.
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You can close your American Express credit cards through two ways; by contacting customer care or by dropping a letter to the head branch. You can close your card account or switch to a better option if you think you cannot make the most out of your current credit card. Keep reading to know American Express credit cards in detail.
The various ways through which you can close your American Express Credit Card are as follows:
In order to close your credit card offline, you can simply contact American Express customer care printed on the back of your credit card and ask the representative to process your request. Once connected, the representative will ask for a few details for confirmation and the reason for closing the credit card. After confirming all the details, the representative will process your request and cancel your credit card. Not only this, if you think your current credit card is not a suitable option for you, then you can also ask the representative about other credit cards that might be more suitable as per your needs.
You can also close your credit cards offered by American Express through the mail by sending a letter mentioning the card and personal details along with a cancellation request. You can send the letter to the below-mentioned address:
American Express Banking Corp.,
Cyber City Tower C, DLF Building
No. 8, Sector-25, DLF City Ph II
Gurgaon- 122002
While closing your credit card, you must keep the below-mentioned things in your mind:
It is important to clear all the due payments before closing the credit card. Not only this, all the EMIs that you have availed using your credit card also need to be cleared off. If the dues are not cleared, then the card cancellation will be declined.
American Express rewards can be redeemed against a variety of options. But, it is important to redeem all the reward points earned on your credit card before initiating the card closure. This is because if you close your account without redeeming the reward points, then you will loose all the benefits. Therefore, it is important to redeem the rewards before closing your account to maximize your benefits.
You must be thinking is closing a credit card good for your financial health? You must remember that closing a credit card may not directly affect your credit score, but it can temporarily lower your credit score. This happens because when you close your card account, your overall credit limit decreases, which could cause your credit utilization ratio to increase. Apart from this, the length of your credit history also plays an important role in your credit score, and closing an account eventually shortens the length of your credit history. Therefore, it is advisable not to close the old credit card account, even if you are not using them. However, if you want to close your credit card, then you must analyze all the factors before initiating a closure.
Also read: How to Improve your Credit Score?
Q. Can I close my American Express Credit Card with an outstanding balance?
A. You are required to clear all the due payments before initiating the closure of your credit card account. You cannot cancel or close a credit card with an outstanding balance.
Q. How will I know that my cancellation request for American Express Credit Card has been processed?
A. To get a confirmation, you can contact customer care and ask the representative about your request. Apart from this, you will also receive a confirmation text from American Express on your registered mobile number regarding the closure of your credit card. If not satisfied, you can also confirm the same from your credit report, however card closures may take up to 3 months to reflect on your credit report.
Q. What should be done with the American Express Credit Card once it has been cancelled?
A. After cancelling your credit card, you must destroy the card you hold. It is advisable to cut the appropriate credit card diagonally into two halves before disposing of it.
Q. What will happen to the reward points I’ve earned after closing the American Express Credit Card?
A. If you close your credit card account, the reward points balance available on it becomes null. You can redeem the reward points before closing the credit card. But once it is close, you cannot use the earned reward points.
Q. Will I be asked to enter my CVV or my PIN to close my American Express Credit Card?
A. No, you will not be asked to disclose such information by American Express. However, you should never share such confidential information with anyone.
Q. Will there be additional charges involved in closing an American Express Credit Card?
A. No, you are required to pay the total outstanding balance and any other charges pending attached to the card as per the policy of American Express.
