How To Cancel Chime Credit Card?
If you are recently focusing on building a good credit score, then having a Chime Credit Builder Secured Visa Credit Card can be a good option.
You don’t have to pay any annual charges to use the card. You even get better interest rates with this visa card. If you have been already using this card and wish to cancel it now for any reason, then we’ll help with that.
It’s easy to cancel Chime credit card but first make sure that you pay off all your outstanding bills if any. You can then contact the Chime customer support team via email or by calling them to cancel your Chime card.
For the detailed step-by-step cancellation procedure, read the post till the end and follow the steps.
How To Cancel Chime Credit Card?
You must be well aware that cancelling your Chime credit card might negatively affect your ongoing credit score. It’s best to pay all the dues on your card and then move towards cancelling.
Here are two ways to cancel your Chime visa card and close your Chime account.
Cancel Chime Credit Card On Call
Here are the steps to cancel your Chime credit card by calling the customer support team:
- To cancel your Chime credit card, you can call Chime customer service at 1-844-244-6363. Your call will be redirected to the customer executive.
- The representative will ask you to verify your identity. Provide them with your details like your name, the last four digits of your card and other deets.
- Then tell them the reason for your cancellation and ask them to cancel your card for you.
- The representative will then check your card details to see if you have any outstanding dues on the card. If your card is clear, then he/she will proceed with the cancellation and once it’s cancelled you will be informed.
It’s important to note that cancelling your Chime credit card may have an impact on your credit score, so make sure to consider the potential consequences before making the decision to cancel.
Also, read How To Cancel ViewFreeScore Membership Online?
Cancel Chime Credit Card Via Email
Another way to cancel your Chime account is by emailing the customer support team and requesting them to cancel.
For this, you can mail a cancellation letter in which you need to provide your card details, your personal contact information and the reason for which you are cancelling the card and send it to Chime at [email protected].
You can then wait for a confirmation email that your account is cancelled successfully.
Can I deactivate my Chime account?
Yes, you can close your Chikme account permanently if you don’t want to use it any further. For this simply drop an email at [email protected] and ask them to deactivate your account.
provide them with the necessary account details and wait for confirmation.
How to close Chime Credit Builder account Online?
You can close Chime Credit Builder account online via the Chime app anytime.
For this, you need to:
- Open your Chime app.
- Then look for the “Settings” option.
- From the drop-down menu select the “Personal Info” option.
- Click edit to close your account.
- Last click “Close account” and your account will be deactivated soon.
What should I do if I have an outstanding balance or rewards on my Chime credit card when I cancel it?
If you have an outstanding balance on your Chime credit card when you cancel it, you will still be responsible for paying off that balance.
You can continue to make payments on the card until the balance is paid in full.
If you have any rewards or cashback on your Chime credit card when you cancel it, you should redeem them before cancelling the card.
You can do this by logging into your Chime account or contacting customer service.
It’s also important to note that cancelling your Chime credit card may have an impact on your credit score.
If you have a high credit utilization ratio and cancel a credit card, it can negatively impact your credit score.
So, before cancelling your Chime credit card, make sure to consider the potential impact on your credit score.
Also, read How To Cancel Credit One Credit Card?
Is there a penalty for closing Chime account?
No, Chime does not charge you with any penalty fee for closing your Chime account. If you have unpaid charges on your card, pay it first and then cancel your account, otherwise, it will impact your credit score.
Will Chime close my account for inactivity?
Yes, account inactivity for a long can be a cause for suspicion by the bank, and it may result in account deactivation from the company’s end. To avoid this, make sure you pay your unpaid dues on time and don’t get involved in any kind of fraud.
If I close my Chime account can I open a new one?
Yes, you can easily open a new Chime account after deleting your first one. This can be done by using the Chime online app, or directly through the website.
