How to Cancel a Wells Fargo Credit Card

How to Cancel a Wells Fargo Credit Card, August 2021

Are you considering closing your Wells Fargo credit card? If ‘yes’, you should have a very good reason before you start going through the whole process. Perhaps you are tired of paying a hefty annual fee or you just want to reign in debt. First, ensure that you have a zero balance in your account. After that, you can try to contact Wells Fargo to have your credit card canceled.

You can close a Wells Fargo credit card by calling the Customer Service number or sending a written request to have the card canceled. These are discussed in detail below:

Ways To Cancel A Wells Fargo Credit Card

Close A Wells Fargo Credit Card By Phone

You will find the customer service number on the back of the Wells Fargo credit card.

This number is also available on the credit card account statements you might have received. The Wells Fargo customer service number is 1-800-642-4720.

Call the number and ask the customer service to close your credit card.

Apart from providing your name and account number, state the date when you would like the cancellation to be done.

If you want to be expressly connected to a customer service representative, type 0 as a response to all the prompts. After that, you can make a request to have the card canceled.

If your credit card account has a pending balance, clear it either through the phone, online, or via mail, before the date when you want the credit card canceled. It is only when you have a $0 balance that the account will be closed completely.


Never try to cancel a credit card with an existing balance. Apart from the obvious impact on your credit score, you may be charged some hefty fines and be forced to repay the balance with higher interest rates.

For future reference, take note of the name of the customer service representative you spoke to, the date, and time of day when you made the phone call. If you reached any sort of agreement, also take note of it.

Check that there are no pending charges on the card as they could prevent you from going through with the card cancellation. If you have any standing charges on your account, cancel them to be sure that the cancellation is successful.

Wait for a confirmation message from Wells Fargo that your card has been canceled.

Wells Fargo Credit Card Cancellation By Mail

The risk with calling Wells Fargo to cancel your credit card is that the customer service representative is likely to convince you not to go through with the cancellation.

That’s why you could opt to instead make the cancellation via mail. Find the mailing address on any paper statement at the back. The Wells Fargo Contact Us page could also contain this information. The following is the mailing address:

Wells Fargo Card Services
P.O. Box 51193
Los Angeles, CA 90051-5493

In the letter, inform Wells Fargo of your decision to cancel your card. State your name, credit card account number, and the date when you want the cancellation to be done.

Also, provide the date of writing the letter and sign to validate it. Then wait for the lender to send a confirmation that the credit card has indeed been canceled. If you don’t receive any, make a follow-up.

Bottom Line

Canceling a credit card shouldn’t keep you up at night, and it doesn’t have to when you finally see how simple it is. There are multiple ways to do so, and with your Wells Fargo credit card, you can find one that fits your schedule.

Use this short guide to help you cancel a Wells Fargo credit card so you need not worry anymore!

Give a Comment