How to Close a Chase Credit Card Account

How to Close a Chase Credit Card Account, August 2021

You have reached the point in your life where you want to close your Chase credit card. Perhaps it is the hefty annual fee that is driving you into this decision.

The process is not as simple as shredding the card and throwing it into the dustbin. To close a Chase credit card account, you must first ensure your balance is $0.

You could cancel your credit card by calling a phone number, sending mail, or online through the Chase website. To cancel your card, you will have to go through the following process:

Ways To Cancel A Chase Credit Card

Close A Chase Credit Card Online

You can cancel a Chase credit card online. All you need to do is to open the Secure Message Center on the Chase website. The following are the steps you will be required to follow:

  • Step 1. After logging into your online account, go to the dashboard and look in the top left for the three-line menu icon (hamburger icon). Select it and then click ‘Secure Messages’.
  • Step 2. This will take you to a second window, which is a display of the ‘Secure Message Center’.
  • Step 3. Click on ‘Compose Message’. Look at the top of the page and verify that you have the correct email address. Go to ‘Credit Card’ and, in the drop-down menu, click ‘Other/Inquiry Not Listed’.
  • Step 4. Go to the ‘Account Number’ drop-down menu and pick a credit card you wish to cancel.
  • Step 5. You will see a message box. Type a message explaining why you are canceling your card. You can tell them you don’t need the card anymore. It is important to make it clear that you have a $0 balance.
  • Step 6. Click ‘Send’. Be sure to confirm if there is a reply by checking your emails in the next few days. You need to be sure that your account has actually been closed.

Cancel A Chase Credit Card Via The Phone

To cancel a Chase credit card, you may have to call the customer service number.

You will find it on your card at the back or on a billing statement. 

In case you cannot access the telephone number from any of these sources, go to the Chase contact page.

If that is a big hassle, get the numbers below:

  • Chase Personal Credit Card: 1-800-432-3117
  • Chase Business Credit Card: 1-888-269-8690
  • Chase Sapphire Credit Cards: 1-800-493-3319

You will speak to any of the Chase sales representatives, who are on call 24 hours a day, 7 days a week. It has been suggested elsewhere that you should press 0# whenever you are asked for your card number in order to reach a live customer representative faster. For the rest of the menus, press 0 throughout.

Once you are connected, you will speak to a sales representative and ask for your card to be canceled. So that your credit score is not affected, have the sales representative report to all the credit bureaus that you requested to close your account.

To be sure that your account was actually closed, follow up on your request through a phone call or letter.


Instead of closing your Chase credit card, see if you can downgrade it to a no-annual-fee card first. It’s better for your credit score, because you’ll keep your account number, history, and credit line.

Cancel A Chase Credit Card By Mail

Check your monthly billing statement for the mailing address provided by Chase for general correspondence. You can also get it on their contact page or simply get it below:

Card services
P.O Box 15298
Wilmington, DE 19850

Don’t confuse this with the payment address that appears on the payment slip. The letter should be brief and should include your name in full. Also provide your address, the credit card number, and a brief request to have your card canceled.

Don’t leave it at that, ask Chase to make it known to the credit bureaus that you requested for cancellation of the card.

What remains is to submit the letter to the post office, so that it can be sent. If you send it by certified mail, you will be given a tracking number so that you can ask if Chase actually received the letter.

For the purposes of future reference, keep a copy of the mail. You may want to follow up on your case in the future.

Bottom Line

Regardless of the method, you use to cancel your Chase credit card, follow up to ascertain that the cancellation was actually done.

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