5 Easy Tips for Closing Credit Card

Are you decide to close your credit card? After you pay off the credit card bills, you can call the bank or credit card providers and stated your desire to close your credit card. However, this practice is not as easy as it seems. This is because the customer service of the bank has provided persuasive techniques so that you discouraged to close the credit card.

You should know that every bank will pursue its cardholder for not closing his credit card, especially if the cardholder has very good payment record and never paying late. And sometimes every customer service officer who succeeded in persuading the cardholder to not close credit card will get a fee in the form of money or points of assessment. For that you need to prepare strategies so that you can close your credit card with a fine and elegant.

1. Understand that you are fully entitled to the decision to be a bank credit card cardholder. Fully control is in your hands rather than in the hands of the bank.

2. No need to give any explanation on the reasons for termination of this membership. Thus, you do not have a long talk with customer service and they did not have a weapon to break your reasons to quit. Each customer service is already provided by way of answer and persuades customers from a variety of reasons.

3. Refuse and spoke sternly to the customer service. Just say that you do not need the offer and refuse to continue your membership.

4. When the situation is beyond the path you have set, firmly replied, still friendly that you want to stop, and finish the conversation. Give the reason that you are pressed for time to do other work.

5. Do not forget the most important is that you remember or write down the officer's name, the day and time of your call. If your request to close a credit card is accepted, there will be re-verified at your request. In addition to this conversation will be recorded as evidence as well to make sure that you really want to close your credit card. By noting the officer's name, days and hours of your call will be useful if in the future your credit card has not been closed. You can complain loudly to the bank because your requests are not met. You need to know that every conversation between customer service and cardholder are always recorded. So if your request was not previously met, it means the bank has done wrong. So any consequences arising such as interests and so on, can be eliminated by the bank.

Related Post