Many a time, people do have more than one credit card with them. But sometimes they could not get the benefits of all the credit cards. Also, there are times, when a cardholder wants a new card that suits his/her current financial needs. And, most credit cards charge annual fees to their users. So, in these cases, it is advisable to close the card that you do not want to use any longer. Therefore, let’s take a look at how to close HDFC bank credit card?
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Closing HDFC Credit Card
HDFC Bank provides you four ways for the closure of HDFC card. You can close it by calling customer care, by sending a duly filled closure form, writing an email, and by sending a letter to the manager.
Closing of HDFC card is a very easy process. And, it will help you to get rid of the fees applied to it.
In this article, you will get to know about how to cancel credit card HDFC.
How to close HDFC Bank Card?
Following are the three different ways for closing HDFC card.
1. Calling customer care
2. Submitting duly filled card closure form
3. Sending a letter to the manager
4. Writing an email
How to close the HDFC credit card by calling customer care?
You can close it by calling the customer care number of the bank. You must be having all the required documents with you before making a call like your card number, account number, the reason to close, FD details (if any).
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How to cancel HDFC credit card by submitting a card closure form?
You can also deactivate or cancel it by submitting an HDFC credit card closing form. The closure form can be downloaded from www.hdfcbank.com. You need to fill in the required details in the form which includes your card number, name, address, contact details, and reason for the closure. After filling it up, just send it to the Manager, HDFC Bank Credit Cards, PO Box 8654, Thiruvanmiyur, Chennai-600041.
How to deactivate HDFC credit card via a letter to the manager?
You can write to the manager of the corporate office at the address – HDFC Bank Credit Cards, PO Box 8654, Thiruvanmiyur, Chennai-600041.
You should write the details in the letter such as your card number, name, address, contact details, and reason for the closure. Note that you should not include confidential details like the CVV number and PIN.
How to close HDFC credit card online by writing an email?
You can close HDFC card online by writing an email to the branch. The email is sent on the email which is provided by HDFC Bank to close it. You need to provide your card number and personal details in the email. This is “how to close HDFC credit card permanently online?”
HDFC Credit Card Closure Form
You can download this closure form by clicking here.
Points to keep in mind before closing your card
1. You should redeem all your reward points before applying for the closure. But, if you could not make it before, then you can redeem those points within 30 days of the closure. After that points will lapse.
2. You should pay all the pending balances or EMIs before applying for the closure. If you could not make it, the bank will contact you to pay all the dues before closing it via phone call, SMS, or email.
3. Once you have applied for the cancelation, you should not use your card. If you use it then, HDFC Bank will not process your cancelation request.
4. You should collect a written confirmation letter from the bank for safety purposes.
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How to reactivate HDFC card?
For reactivation of HDFC card, you can either make a call to the customer care number of the bank or you can visit your nearest HDFC branch. Ask for a reactivation form. Submit the duly filled form to the bank for the reopening of the card.
Frequently Asked Questions
1. How to close my HDFC credit card?
You can close it by calling customer care, by sending a duly filled closure form, and by sending a letter to the manager.
2. How can I close my HDFC credit card customer care?
You can cancel it by calling the customer care number of the bank.
3. How to deactivate HDFC card online?
You can close or cancel it online by writing an email to the branch.
Is closing HDFC card affect cardholder’s credit score?
Yes, closing a card can affect a cardholder’s credit score due to a reduction in credit limit and an increase in the credit utilization ratio.
Final Thoughts
I hope now you know how to close HDFC credit card. Out of the four methods mentioned above, you can opt for anyone to cancel your card. The four methods calling customer care, submitting a closure form, a letter to the manager, and writing an email.
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