Many people who decide to close the credit card because they have too many credit cards that were never used, to reduce the burden of mounting debt and to reduce bad shopping habits. So, you do not even bother calling or back and forth to the bank to ask the reason why you still receive your credit card bill after the closing the credit card, follow the steps below:
Read the terms and conditions of credit card
It is important to you read well the terms and conditions that apply especially if the age of your credit card is still young. Usually for closure in a short time will be subject to some penalties.
Cancel automatic payments and pay off bills
If you forget to cancel the automatic payment then you risk paying fines greater result of unpaid bills when it stopped automatic billing. Then, make sure you have paid all the bills for the credit card can not be closed if you still have debt. Repayment can be made via ATM or transfer the rest of the bills, cards closing costs, etc. Then, after a few days, contact your bank to check on receipt of payment of the bill.
Know the effective date to close credit card
To close a credit card, you can call or visit the bank. Be sure to note the name of the officer in charge shut your card, the date and time of the conversation with them. Do not forget to ask effective closing date of your credit card to find out if you still have an obligation to pay the annual fee or other charge cards.
The bank is often difficult for closing credit card and this has been recognized by the Consumers Foundation. So do not be surprised if the sound complaints and complaints from customers who expressed dissatisfaction with the process of closing. For those who want to shut down the credit card, the process is going well hopefully yes.
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