How To Cancel Amazon Credit Card | Follow These Steps

The Amazon Credit card is much more convenient for the people who shop frequently on Amazon. Those who have the card are exclusive with a wide range of deals and benefits that come along with the cashback on purchases and rewards. One of the exceptional features that you will find is the absence Of annual fees and interest-free periods after reaching a certain spending threshold. This makes it so much more lucrative to the regular shopping crowd. 

In case you feel that you don’t require the card or think that the card is not effectively working as a benefit for you or if you have something better as per your spending then it is advisable to cancel your Amazon Credit card. Besides the heap of benefits and perks, one must be able to weigh the pros and cons of keeping the card. It is always important to make sure that you’re getting better benefits from keeping the card or if this is just another form of commitment that you no longer require for yourself. 

Cancellation of the Amazon Credit Card is quite an easy process and can be requested by making a call to the Customer Service of the credit card issuing company, usually Synchrony Bank. One may dial into the customer service line or talk to one of the representatives from the Customer Service department of the Amazon Credit Card. Let them know that you do not want to use the card again and they will be able to assist you in that regard.

You must remember that closing a credit card can have little impact on your credit score, especially if the account is somewhere older. You need to settle off the outstanding balance and spend any accumulated rewards or cash you may have from the credit card before closing it. Apart from that, you can easily shop on Amazon without any extra or exclusive benefits that come along with the card. 

How Can I Cancel Amazon Credit Card?

It is relatively easy to cancel the Amazon Credit Card. Yes, you heard it right and you can cancel your card with either customer service by speaking to the representative over the phone or deal with it through online steps. There are some options that are available according to your preference. Both the processes described in the following steps will specifically guide you to cancel the card as easily and effortlessly as possible.

Step-by-Step Guide to Canceling Amazon Credit Card

The easiest way to cancel your Amazon Credit Card is by making a call to the customer support of the issuer bank. Typically for most cards, this will be Synchrony Bank or Chase. Here’s how you can cancel your card easily and without any trouble.

• First of all, you just need to dial your bank that has issued the card, I mean the customer service number. If you have an Amazon Credit Card from Chase, you can just dial their customer service line directly at (800) 945-2000. Before making that call, you need to have with you at your side both of your credit cards and other personal identification, so that when the service person answers the phone, he or she will be able to confirm your identity and thus transfer control of your account.

• After you are successfully connected to a customer care representative, then you need to let them know about your desire to cancel your Amazon Credit Card. There can be the possibility that they will ask you why would you want to cancel or the reason behind the cancelation. However, this will include all the information from finding better cards offered or not needing the card as much. You do not have to give a reason and they just do so commonly for the organizations to improve the quality of customer service or gain feedback. Always be polite but firm when requesting that the account be closed.

• The customer service representative will be asking for some details of yours such as your name and address, and where you live for verification purposes and thus open up your account. So you need to make sure to have all these ready before making that call so you don’t have to waste much time. They may request the available balance on your card or outstanding payment

• Once he verifies your details, the representative will start to cancel it. For example, if you have a pending balance or payments on the card for which some amount is due, you would have to pay that amount before your request gets processed properly. Your card will be canceled after the process of verification.

• Finally, you can confirm the cancellation with your issuer and receive written proof or an e-mail. It will act as proof that you have requested and are completing the cancellation. Also, be sure that no more charges are made on that card.

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Advantages

• This process will clearly state your issues and get confirmation from the customer care representative immediately. 
• You can actually rectify your queries that you may have during the process of cancellation.
• Customer care teams are capable of giving personalized help which might explain the fees, refunds, or other alternative options. 
• You will be sure that it is canceled immediately and you can relax.
• If you think that it’s more convenient to chat with someone over a call rather than go through the websites and email, then calling might seem easier and more comfortable for you. 

Disadvantages

• You may have to hold through for a really long period of time before you get through to the agent, and it becomes very frustrating and time-consuming.
• Phone support is generally available for certain hours. Therefore, this may be a bit of a hassle in case one wishes to cancel outside these hours.
• There may always be scope for miscommunication or misunderstanding while taking over the phone that may delay the process.
• Unlike email or online cancellations, the phone cancellation method doesn’t give one a written record, which may be a problem in case there are some disputes or issues later. 
• Customer service representatives may trouble you to continue with the service or have alternative plans, and that could just make it a little more complicated if you are determined to cancel.

How to Cancel over the Secure Message Center?

If you don’t want to deal directly with the customer service representative then you can also cancel your Amazon Credit Card through the Secure Message Center. This is great for those who are more comfortable doing things online rather than having it done over the phone.

• The first step is to log in to your Chase account online. If you do not have a Chase account, you can create one for your Amazon Credit Card by using all the information requested. Once you are successfully logged in, you will be taken to the accounts dashboard.

• Then, click on the Accounts page, which opens up a side menu. By default, most of the pages that open reveal a side menu. You can click on the three-line icon which is sometimes referred to as the “hamburger menu” in the top left-hand corner of the page to open it. From here, you can select the Secure Messages option.

• Finally, you can easily compose a new message from the Secure Message Center and send it to Amazon. Click on the New Message button, and in your message, you can write as saying you want to cancel your Amazon Credit Card and any other information you wish to share to speed up the process.

• Finally, after you have sent your message, you will receive any replies in your Inbox in the Secure Message Center. The company’s customer service team should provide you with information about what to do next or confirm that your credit card has been canceled successfully.

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What About Outstanding Balances?

Before you cancel your card, you need to make sure to settle any outstanding balance. You can’t cancel the card if there is any outstanding balance. So, it is important that you settle all such outstanding balances before the cancellation. In case you are confused about whether you owe some amount outstanding or not, customer service will be able to let you know while processing the cancellation request.

Rewards and Cashback

It is probable the most important thing to remember is what happens to all the rewards or cashback that you may have earned. It doesn’t work well with most companies and usually, once the card is canceled, unused rewards or points are forfeited. So, you need to make sure that you redeem or transfer any rewards before submitting the request to cancel your card.

Pros:

• You can initiate the cancellation process at any given moment of your time since you do not have to call customer service during working hours.

• Secure Message Center will give you a written document of your request and a response from the card issuer if there is any sort of dispute.

• Since this method of getting in touch with customer care, you are guaranteed a wait-free dialing on the phone.

• As an online managing operator of your Amazon Credit Card, you can access the Secure Message Center directly in your account immediately.

• By utilizing the secured portal, you can send messages to safeguard your information and you do not have to share personal details with a caller.

Cons:

• The message may take more time since dealing is done immediately when a person picks up the call.

• You will need clarification which makes the process tend to drag down the whole process rather than a direct conversation on the phone.

• In return, you will not get a confirmation that cancellation has been made and it will take longer.

• Some of the users will face problems while trying to navigate through the portal especially if they haven’t used the platform.

• The messaging system may not allow much scope for personalized advice or to address individual concerns as compared with contacting a representative.

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Cancel Amazon Store Card

If you want to cancel an Amazon Store Card then things work out differently than those with an Amazon Credit Card. The steps mentioned will not apply to this type of card since the department running an Amazon Store Card is completely independent. If you have made up your mind to cancel an Amazon Store Card then all you need to contact the Amazon Store Card Support team directly without any intermediator.

You will be able to contact them at (866) 634-8379. When they connect you, you can communicate with one of their customer service team. You need to be attentive and explain to them honestly that you’d like to cancel the Amazon Store Card. Be prepared to provide personal details and card information that might be requested from you in order to make sure that they are indeed speaking to the card’s owner, such as account number, card number, or any other verifying information.

The representative will guide you through this cancellation. You need to make sure that you follow every single instruction they give and ask them to confirm that cancellation is made. Also, you should ask whether you have any outstanding balance or rewards points on your card since they may need to be cleared before closing the card. Once you’ve done all of these things, your Amazon Store Card will be canceled in a successful manner.

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Final Words

If you want to shop at Amazon then there are two options for a shopper. You can have either an Amazon Credit Card or the Amazon Store Card. It offers a heap of rewards, discounts, and exclusive offers which make shopping there a more enjoyable experience.

These cards do indeed help make shopping easier and more rewarding. In case, if you feel that you don’t use the card much anymore or just no longer need it, you can cancel by simply following these steps. If you want to make simple finances or just want to remove the unused cards, then it is first important to identify your needs beforehand.

To cancel the Amazon Credit or Store Card, you need to follow the steps mentioned above or simply contact the Customer Support service with the given instructions. They can take you through the process and make sure that all necessary things have been done including settling any balance outstanding. Please don’t hesitate to ask us to clarify anything if you have questions concerning the process. These cards do offer value, but the capability of cancellation of these lines of credit allows you always to have mastery over your financial affairs.

Frequently Asked Questions