How do I cancel a Chase Freedom Unlimited credit card? This question is about the Chase Freedom Unlimited®

How do I cancel a Chase Freedom Unlimited credit card?

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This question is about the Chase Freedom Unlimited®

Maria Adams, Credit Cards Moderator

@m_adams • 06/18/21 This answer was first published on 06/18/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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To cancel a Chase Freedom Unlimited credit card, call customer service at 1 (800) 432-3117 or log in to the Chase website or mobile app and click Help & support to view your options. Cardholders can also cancel an account in person at a Chase 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, you will forfeit any unused cash back, 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 Chase Freedom Unlimited card.

How to Cancel a Chase Freedom Unlimited Credit Card

By phone

Call customer service at 1 (800) 432-3117 and enter your account number and Social Security 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.

Online

In person

Click the branch locator tool link on the Chase website or mobile app for a list of Chase branch locations. Enter an address, ZIP code or city and state to find a branch in your area.

By mail

Send your written request to cancel the card to:

National Bank By Mail
P.O. Box 6185
Westerville, OH 43086

It’s important to know that when you cancel a Chase Freedom Unlimited 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.

Answer Question

How do I cancel my Chase credit card?

You can cancel your Chase credit card by calling 1-800-432-3117, or online by signing in to your account.

Don't forget to pay any outstanding balances you might have before cancelling. Also keep in mind that cancelling a card could hurt your credit score. It's best to just leave it open and unused.

In case you have a card with an annual fee and it's not really worth it for you, you could try asking for a downgrade...

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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.

Still, there are times when it may be beneficial to close your credit cards, such as to avoid expensive annual fees. And...

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How many credit cards is too many?

Too many credit cards might for most people could be six or more, given that the average American has a total of five credit cards. Everyone should have at least one credit card for credit-building purposes, even if they don’t use it to make purchases, but the exact number of cards you should have differs by person. It depends on how well you can manage one credit card, then two, and so on.

If you’re not sure how many credit cards is too many...

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