WalletHub, Financial Company
@WalletHub
The easiest way to cancel a Credit One card is by calling customer service at (877) 825-3242. Another way to cancel your card is to mail the request. Credit One does not offer an option to cancel online. More specifically, you can cancel your Credit One credit card:
- Over the phone: To cancel your card over the phone, call (877) 825-3242. When prompted, enter your card number. Once connected to a customer service representative, state that you want to cancel the card and close your account. The representative may counter with a “retention offer,” such as lower fees or interest rates, to keep you as a customer.
- Via mail: Another way to cancel your Credit One credit card is to mail the request. The address is:
Credit One Bank
General Correspondence
P.O. Box 98873
Las Vegas, NV 89193-8873
Keep in mind that requests by mail will take longer to process.
What to do after you cancel a Credit One card:
When you cancel your Credit One card, you’ll still have to pay at least the minimum amount due on any balance each month until it’s paid in full. Your account won’t be officially closed until you do. Any future transactions that you try to make after cancelling will be declined, but pending transactions may still process. You’ll need to update the payment method for any recurring bills you were charging to the Credit One card, too.
Also, make sure to cash in any leftover rewards before canceling your Credit One card, as unredeemed rewards will expire once you close the account.
When to cancel a Credit One credit card:
A primary reason you’d want to cancel a Credit One card is that you simply no longer need it. Credit One cards are designed for people with bad-to-fair credit. They also come with high annual fees. As such, your credit standing may be to the point where you’re ready to upgrade to a card with lower fees and more rewards. And because Credit One caters only to a specific group of customers, upgrading to another Credit One card is not really an option.
Keep in mind that when you cancel a Credit One card, your credit score could temporarily take a small hit, depending on the specifics of your credit history.

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Compare CardsRichard M Joseph III, Member
@richard_mj
Consider leaving the Credit One Bank account open as it's a great rebuilding credit card. The reason is that if you do close it, you will lose CREDIT AGE or LENGTH OF CREDIT HISTORY which is one of the main and critical factors that lenders check for to determine your eligibility for a higher credit limit or credit request approval. Mine was closed due to my negligence. But now, if I do apply for it, I will lose some credit score points that would negatively impact my credit report history. You should keep it!

Yes! I noticed I was being charged $8.25 a MONTH! Thats outrageous! More than my AMEX!

Terrible card. Takes up to 10 days to credit your account when payment is made. Limits your ACH payments! Who limits how many payments I can make? Oh, that's so I can keep a balance and they can charge interest. When you want to cancel, it takes months, literally, STAY AWAY.
Rhapsody a Kei, Member
@Rhapsody13131
I selected the express payment option and a live person came on the line then said I wanted to cancel and close account they put me through to correct department and after a few ridicules offers to lower interest rate for 3 months, they finally accepted the request to cancel and close account.
People also ask
Ronald, Member
@ronkops88
once the automated menu goes through all the options just wait, eventualy it will go to a live person.

@haidangnguyentran: Just keep spamming "0" on the dial pad several times and it will take you to a representative.
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The retention offer I received was jokingly bad. I closed the card as I no longer needed it for ratio management and told them the financial terms were the reason I was closing it. They offered a $200 credit line increase, a 5% 6 month rate reduction and a one month waiver of the annual fee. When I told the representative that I had a replacement card at much better terms, they suggested I keep it as an emergency card.