How to Cancel a US Bank Credit Card

Cancelling a US Bank credit card can be straightforward if you follow the correct steps. Whether you choose to do it over the phone, through online banking, or by written request, it's important to ensure you understand the process and potential repercussions.

Steps to Cancel Your US Bank Credit Card

Before you cancel your US Bank credit card, make sure your account is in good standing. This means:

Pay Off Your Balance: Make sure your balance is paid off. A balance on your account may prevent cancellation. Check for Rewards and Benefits: Look into whether any rewards or benefits will be impacted by cancellation.

Once your account is clear, here’s how to proceed:

Contact Customer Service

Locate the customer service number on the back of your card or through your online account. This can be done via:

Phone: Call the customer service number listed on the back of your card (800-872-2657). Online: Log in to your online banking account and use the secure messaging feature. Fax: Fax your request to the dedicated number (866-568-7729). Mail: Send your request to Cardmember Service PO Box 6352 Fargo ND 58125-6352, including your name, address, and a signature if applicable.

During this process, be prepared to verify your identity, which may involve providing personal information such as your account number and Social Security number.

Request Cancellation

Clearly request to cancel your credit card. The representative may ask for your reason for cancellation or try to offer incentives to keep the card. Be firm in your request.

Follow Up in Writing

It's a good practice to send a written confirmation of the cancellation to U.S. Bank, including your account details but not your full card number for security reasons.

Check Your Credit Report

After cancellation, monitor your credit report to ensure that the account is marked as closed and there are no inaccuracies.

Destroy the Card

Physical destruction of your card is the final step. This prevents any unauthorized use.

Make sure to check if there are any fees or repercussions related to cancellation, especially if the card has an annual fee. Understanding these details can save you from any unexpected charges or complications.

For more information about US Bank services and products, visit their official website.