Sample Letter For Closing Your Credit Card

A woman cuts up a credit card
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Once you’ve decided to close your credit card, for example because you have too many credit cards or you simply no longer want to have this credit card, you want to be sure to close it the right way.

You can close your credit card without writing a letter, but sending a letter gives you physical proof that you requested your account to be closed. You may even choose to call your credit card issuer first to close your account, and then follow up with a letter for your records.

Sending the letter via certified mail gives you additional proof that your request was received.

Where to Send Your Letter

Don't send your letter to the same address that you send your credit card payments. Most credit card issuers have a separate mailing address for correspondence. Check a recent copy of your credit card statement for the correct address. You also be able to get the correct address from your online statement or by calling your card issuer’s customer service number found on the back of your credit card.

Payments, Interest, and Fees After the Account is Closed

You’ll continue to receive billing statements if you still have a balance when you close the account. You’re still required to make at least the monthly minimum payment until your balance is paid in full, but you won’t be able to make purchases on your account since it’s closed. Your balance will still accrue interest and any fees still apply.

You can pay off the balance faster by increasing your monthly payment.

If you have any recurring bills being charged to this credit card, make sure you change them to keep them from being declined (and your services cancelled) or to prevent your credit card account from being reopened.

Sample Letter for Closing Your Credit Card

Below is an example of what to say in a letter to close your credit card.

The letter doesn’t have to include a reason for closing your account; you can simply state that you want your account to be closed.

Make sure you replace the bold information with your personal and account information. You can customize your own letter, too, but be sure to include your name, billing address, and account number so the credit card issuer can identify your account. If your letter is a followup to a phone call, include the date and time of the call and the name of the representative you spoke with.

When you send your letter via certified mail, you’ll be given a tracking number. You can enter this tracking number into USPS.com to verify when the credit card issuer receives your letter. Check with the credit card issuer after a few days to confirm your account was closed. After about 30 days, you can check your credit reports to be sure the account is accurately updated.

Date

Your Name
Address
City, State Zip

Name of Creditor
Address
City, State Zip Code

Re: Account Number: Account Number (or Last Four)

Dear Sir or Madam:

On 8/15/15, I made a request by telephone to have my account closed. This letter confirms that request. Any updates to my credit report should reflect the account was closed at my request.

Please send confirmation the account was closed.

Sincerely,



Your Name