How to Cancel United Credit Card
If you’re a United Airlines frequent flyer and have been using their co-branded credit card for some time but now wish to cancel it, there are a few steps you need to follow to ensure a smooth cancellation process. In this article, we will guide you through the steps of cancelling your United credit card and answer some frequently asked questions about the process.
Step 1: Review the terms and conditions
Before proceeding with the cancellation process, it is essential to review the terms and conditions of your United credit card agreement. Pay attention to any annual fees, outstanding balances, or reward points you may have accumulated. Understanding these details will help you make an informed decision about cancelling your card.
Step 2: Pay off outstanding balances
If you have any outstanding balances on your United credit card, it is crucial to pay them off before cancelling. Contact the credit card issuer to get the exact amount due and settle the payment. This will prevent any negative impact on your credit score and ensure a smooth cancellation process.
Step 3: Redeem any accumulated rewards
If you have accumulated reward points or miles on your United credit card, consider redeeming them before cancelling. Check the United Airlines website or contact their customer service to explore the available redemption options. Utilizing your rewards will maximize the benefits you have earned while using the card.
Step 4: Contact the credit card issuer
To cancel your United credit card, contact the credit card issuer directly. You can usually find their customer service number on the back of your card or on your monthly statements. Alternatively, you can visit their website and look for a cancellation request form. Be prepared to provide your account information and answer security questions to verify your identity.
Step 5: Follow the cancellation instructions
Once you have reached the credit card issuer’s customer service, inform them of your intention to cancel your United credit card. The representative will guide you through the cancellation process and may ask for additional information. Follow their instructions carefully and ensure that you understand any potential fees or consequences associated with the cancellation.
Step 6: Receive confirmation
After completing the cancellation process, request a confirmation number or email from the credit card issuer. This will serve as proof that your United credit card has been successfully cancelled. Keep this confirmation for your records and monitor your future credit card statements to ensure that no unauthorized charges are made.
Frequently Asked Questions (FAQs):
Q1: Will cancelling my United credit card affect my credit score?
A1: Cancelling a credit card can potentially have a slight impact on your credit score, especially if it is one of your oldest accounts or if it significantly impacts your available credit. However, the impact is usually minimal and temporary.
Q2: Can I transfer my credit limit to another card before cancelling?
A2: Some credit card issuers may allow you to transfer your credit limit from the cancelled card to another card you hold with them. Contact your credit card issuer to inquire about this option.
Q3: Can I downgrade my United credit card instead of cancelling it?
A3: In some cases, credit card issuers offer the option to downgrade your card to a no-fee or lower-tier version. This allows you to keep your account open while avoiding any annual fees. Contact your credit card issuer to explore this possibility.
Q4: Can I cancel my United credit card online?
A4: Some credit card issuers provide online cancellation options, while others require you to contact their customer service via phone. Check the credit card issuer’s website to see if online cancellation is available or to find the appropriate contact information.
Q5: What should I do with my unused United credit card after cancellation?
A5: Once your United credit card is cancelled, it is recommended to cut it into several pieces to ensure that the card cannot be misused. Dispose of the cut-up pieces in separate trash bags or discard them in a secure manner.
Remember, cancelling your United credit card is a personal decision that should be based on your individual financial needs and circumstances. By following the steps outlined in this article, you can cancel your card with ease and minimize any potential impact on your credit score or financial standing.