It is straightforward to cancel or close your credit card. All you need to do is write a letter to the bank requesting the cancellation of your credit card. In the letter, you should mention your credit card number and state why you want to cancel or close your credit card account.
The main reason people cancel their credit cards is that they are not happy with the charges levied on them. They may also be dissatisfied with how a dispute relating to a credit card transaction was concluded. Whatever the reason, it is essential to mention it in the letter so that the bank can take note of it and improve its services.
Here is a sample of such a letter for your reference.
The Branch Manager
(Name of the Bank)
(Name of the Branch)
Sub.: Application for closure of my credit card.
I am writing to request the cancellation/closure of my credit card account. The account number is ____________ (mention credit card number).
The reasons for my request are ___________ (give reasons why you want to cancel/close credit card account). I have enclosed ___________ (enclose any relevant documents, if any) as supporting evidence.
I would appreciate it if you could process my request at the earliest and confirm receipt of this letter via ___________ ( mention method of communication, such as email or phone call). Thank you for your time and consideration.
I am enclosing a self-attested copy of my PAN card for verification purposes.
Kindly do the needful and oblige.
(Name of the Credit Card holder)