Chip Lupo, Credit Card Writer
@CLoop
To cancel a First National Bank of Omaha credit card, call customer service at 1 (888) 530-3626 and ask a customer service rep to cancel your card account. Cardholders can also cancel an account in person at an FBNO branch, or by mail.
Be aware that if there’s a balance remaining on the canceled account, you will still need to make at least the minimum payment every month until the balance is paid in full. In addition, canceling your credit card will forfeit any unused cash back or points, so be sure to redeem them before you cancel the card. You will also need to update the payment method for any recurring charges linked to your First National Bank of Omaha card.
How to Cancel an FBNO Credit Card
By phone
Call customer service at 1 (888) 530-3626 and enter your credit card number to verify your identity.
Then, follow the prompts to speak to a customer service representative, and let them know you want to cancel. The representative may offer you a retention bonus to keep you on as a customer, but you can simply decline the offer and proceed with canceling the account.
In person
Click the branch locator tool link on the First National Bank of Omaha website or mobile app for a list of First National Bank of Omaha branch locations. Enter your address or ZIP code to find a branch in your area.
It’s important to know that when you cancel your First National Bank of Omaha card, you may see a decrease in your credit score, depending on the card’s credit limit and how long you’ve had the card. You can get an idea of how much a canceled credit card will affect your credit score by using WalletHub’s free credit score simulator.
People also ask
Is it better to cancel unused credit cards or keep them?
It is better to keep unused credit cards open than to cancel them because even unused credit cards with a $0 balance will still report positive information to the credit bureaus each month. It is especially worthwhile to keep an unused credit card open when the account does not have an annual fee.
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read full answerIs closing a credit card with zero balance a good idea?
Closing a credit card with zero balance is not a good idea if that card has no annual fee. Any credit card you manage responsibly, even an unused one, reflects positively on your credit history. So closing such a card will have a negative impact on your credit standing. But it can be worth it if your card is costly or if you’re worried about falling victim to fraud while you’re not keeping a close eye on it.
... read full answerWhat happens if you cancel a credit card with a balance?
Closing a credit card with a balance is possible, and it can be beneficial when a credit card company changes your account’s terms for the worse, such as raising the annual fee or APR. It can also be a good idea to remove the credit card itself from the situation if you want to pay off the existing balance without the temptation to spend more. Closing a credit card doesn’t cancel the balance owed, nor...
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