How to Close a Credit Card Without Hurting Credit (The Safe Way)

Описание: How to Close a Credit Card Without Hurting Credit (The Safe Way). In this video, we're going to talk about how to close a credit card without hurting credit.

How To Close A Credit Card Without Hurting Credit
If you have decided to close your credit card, you must do it the smart way because you could be putting your credit score on the line.

Redeem Your Rewards
Depending on the bank, unused rewards and cash-backs will be lost forever if they are not redeemed before closure.

Pay Off Your Balance
Settle as much of your credit card balances as you can, or ideally, get it to $0. Also, cancel all recurring payments you have on the card.

Contact your Credit Card Issuer
Call your credit card issuer to verify that your account balance is $0 and initiate closure.

Check your Credit Reports
In 45 days after cancellation, countercheck your credit reports to verify that it was closed as requested and that you have no outstanding balance.

Cut You Card
The final step is destroying your physical credit card to avoid fraud and identity theft.


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