Cameron DiGiovanni, Writer
To cancel a Visa credit card, call the card issuer’s customer service number and ask a representative to cancel the account. Some card issuers, such as Chase, also allow cardholders to cancel a credit card through a secure messaging portal on their website or mobile app. You cannot cancel a credit card directly through Visa, as it is a card network, not a card issuer.
However, you should think about what canceling the card will mean for your credit score. Sometimes, it’s better to keep a card with no annual fee open, even if you don’t use it. You can use WalletHub’s credit score simulator to see what would happen if you close your account.
How to Cancel a Visa Card in 4 Steps
- Bring your account balance to $0.
- Redeem all your Visa card’s rewards.
- Call the card issuer’s customer service line and ask to cancel your card, or send a cancellation request through the issuer’s secure messaging portal, if available.
- Decline any retention offers and confirm cancellation either over the phone or by checking for a response in the secure messaging portal over the next few days.
In most cases, calling the card’s issuer is the best way to cancel a credit card. At first, customer service might try to convince you to downgrade to a card with a lower annual fee or might even offer a retention bonus to tempt you to keep the card. If you’re set on canceling, just reject all these offers and customer service will cancel the Visa card for you.
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