Letter of Request to Cancel Credit Card

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Letter of Request to Cancel Credit Card

Canceling a credit card account? It’s a smart move to document the process with a written request. A formal letter of request to cancel a credit card not only shows professionalism—it also helps prevent future billing or credit errors.

When Should You Send a Credit Card Cancellation Letter?

  • You’ve paid off your balance and no longer use the card
  • You’re switching to a better rewards or lower interest card
  • You want to simplify your finances or reduce debt exposure
  • Your card has unauthorized charges or security concerns

How to Write a Credit Card Cancellation Request

  1. Start with a clear subject line: “Request to Cancel Credit Card”
  2. Address the bank formally with correct branch or card department
  3. State your name and account/card number (last 4 digits only)
  4. Request account closure and written confirmation
  5. Ask for no impact on your credit (if applicable)
  6. Sign and date the letter

Sample Credit Card Cancellation Letter

[Your Name]  
[Your Address]  
[City, State ZIP Code]  
[Date]  

The Manager  
[Bank Name]  
[Branch Address]  

Subject: Request to Cancel Credit Card  

Dear Sir/Madam,  

I am writing to formally request the cancellation of my credit card associated with account number ending in XXXX. I have cleared the outstanding balance and no further transactions are pending.

Please close the account effective immediately and confirm the closure in writing. Kindly ensure that my credit history reflects that this card was closed at my request and in good standing.

Thank you for your prompt attention to this matter.

Sincerely,  
[Your Signature]  
[Your Full Name]

Tips Before You Cancel

  • Pay off all outstanding dues before requesting cancellation
  • Redeem any rewards or points beforehand
  • Download statements for future reference
  • Follow up with the bank for a written confirmation

FAQs About Credit Card Cancellation Letters

How do I write a letter to cancel my credit card?

Your letter should include your name, card number (last 4 digits), a cancellation request, confirmation that the balance is paid off, and a request for written confirmation.

Is a cancellation letter necessary?

While some banks allow phone or online cancellation, a written letter ensures everything is documented and helps avoid credit report issues later.

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Download Printable Credit Card Cancellation Letter (PDF)

You can view or download the printable version of the credit card cancellation letter below:

⬇️ Download PDF

How do I write a letter to cancel my credit card? This is the sample letter of request to cancel credit card from individual to bank :

Your Name
Company Name
Street Address
City, ST ZIP Code
Date

Recipient Name
Title
Organization Name
Street Address
City, ST ZIP Code

Dear Recipient Name:

Regarding account number: 5470 0012-XX-9287

This is to confirm my telephone request to cancel my ABC Bank credit card number 5470 0012-XX-9287 which was stolen on May 1
in Los Angeles, USA.

Please issue a replacement card, with a new account number.

Sincerely,

Your Name

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