How To Cancel Amex Card | Follow These Methods

One of these strong ways to keep your finances managed is by having a credit card. It can be used to make a purchase for your favorite items. Using credit cards requires careful consideration and management. Be it streamlining financial duties, the lightning burden from debt or simply reassessing with a credit card provider is best for you. Canceling a credit card such as American Express requires great care in the actual process of cancellation to ensure an easy transition and avoid any possible problems. 

American Express offers a large portfolio of cards with a very attractive reward program. It helps them to cover the bulk of their financial needs and preferences. If you have decided that your Amex card no longer suits your financial goals and the lifestyle you want to lead, then it’s equally important to know how to cancel it in the right way. This could provide clarity and advice around cancellation, thereby helping you but you need to bring better control and responsibility into the management of your financial decisions. 

These steps will guide you through the process of cancellation, therefore easily and effectively to make sure that your financial matters are well taken care of. In this article, you will learn how to cancel your Amex card in an all-inclusive manner. 

How To Close Amex Credit Cards?

There are so many ways to close your Amex Credit Cards. You can do the same either via call, email or through their customer support. Apart from the ways, we have covered the cancellation policy of Amex Credit Cards and the alternatives that should be considered after the cancelation.

Pay Off Your Balance:

1. First of all login to your online AMEX account and check your current account balance. It is important to know how much you will be charged for your current billing cycle.
2. If there is any remaining balance pending on your card, make sure you pay off that amount completely. However, you will not be able to close your credit card, if there is any pending balance on it.
3. Ensure that your account balances back to zero after you have cleared all your dues. Just remember that the payment takes several days to post and update your account balance.
4. Before you close the account, you will need to confirm all the pending transactions that have not yet been posted but can be charged from the account. You need to make sure to include all your transactions before you close the card with zero balance.

Redeem Any Rewards:

1. First of all login and not the number of reward points, you have left on your card before you cancel it. You will need to be served with the exact amount for your reward balance.
2. You need to spend the reward points as you will lose them. If you just close your account. However, in many cases, you can redeem them directly on your card for travel, gift cards, or statement credits. 
3. Odds are, there’s just one redemption option that is going to optimize your reward. You could get the most valuable travel, redemption, gift, card, or statement credits from a particular card.
4. You must remember that some redemptions may take a few days, so you need to plan and use your reward accordingly. It is therefore important to utilize all the points before the last minute and you can redeem all of them before the closure of your account. 

You need to be extra careful with your balance payment and reward redemption so everything goes through correctly and hassle-free while closing an American Express credit card account.

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Things to Consider Before Cancelling Amex Credit Card:

1. The first and foremost thing that you need to take care of is to check the reward points you have left in your account before you cancel the card. All these points will be lapsed in case you do not use these points. So, don’t forget to redeem the points before canceling the card.
2. You cannot cancel your credit card in case there is any pending amount. Avail and pay the balance first and then follow the procedure for cancellation. This step is important because the card with an outstanding balance cannot be closed.
3. One thing to keep in mind is that canceling a credit card may impact your credit score. You may witness a little drop in your credit score upon the closure of your account, so it is important to take this decision appropriately.
4. It is good to keep the card open for your credit history. A very long history of credit does wonders for one’s credit score. So this might be something you would want to consider if not having an annual fee with the card bodes well for you. 

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Contact American Express

• You need to get your head around before you call American Express. It is important to understand that customer service will get persuasive about keeping your card. They will show you all the benefits and perks of keeping it open. So you need to keep your calm and stay firm and ask again why you want to close your account.
• You can contact American Express from the customer service number that is typically printed on the back of your card. Call them and inform the representative that you would like to close your account. State your request clearly.
• After making the request,  ask them to confirm that your account has been closed. This step is very important to ensure that there are no other issues.
• Finally, don’t forget to take a written confirmation of your account closure. Ask for a letter or an email stating that the account has been closed and there is no outstanding balance. This, in turn, will be useful documentation in case of dispute or confusion over the status of your account.

How to Cancel via Phone?

The following are some of the steps to cancel your Amex Card via phone. You need to be vigilant to follow the steps mentioned below in order for the process to be completed smoothly.

1. So if you have finally decided to cancel your card then you need to be polite and firm at the same time while communicating with the customer care representative as they will do their best to retain you with the card. 
2. On the back of your card, you will see a telephone number for the customer service. You can call (0800) 032 7644 for general card help with general Amex cards. If you have a British Airways Amex card, you can call (0800) 917 8020 or dial 13363931111 if you’re from abroad. You need to be ready with your account information before making a call and ask them to close your account. 
3. When you connect with one of the representatives, let them know all the facts they want to know about your card and outrightly indicate that you want to cancel. Try to persuade them to assure you that your account will be closed.
4. Finally, get a written confirmation of the account closure by email or postal mail, confirming the closure and that you have no outstanding balance. Such documentation is key for your records and for any further inquiry.

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How to Cancel via Email?

The following are some of the steps to cancel an Amex card through email. 

1. First of all, visit the American Express webpage. Look for contact or customer service details. You will definitely find an email address used for writing about matters that are concerned with Service. 
2. Now you have to create an email in which you will clearly state the purpose of your letter as per your requirement. You can add a subject line like “Cancellation Request for the Credit Card.” Body part, you can add all the relevant details such as your account number, name, and any other information that may be useful for completing the process of cancellation. 
3. When you complete the draft of your mail, you can send it to the given designated address. Make a copy of this email with you as well for your records, which may help you if you need to have any disputes in the future.
4. After sending the draft now, you have to wait for the confirmation from American Express to confirm the cancellation of your card. This is one of the important processes to make sure that your request has already been processed.

How to Cancel through Customer Support?

The following are some of the steps to cancel an Amex Card with the help of customer support.

1. First of all, go to the Amex website and proceed to the customer support section.
2. Follow the steps that are provided to cancel your Amex card. It could be through an online form to fill out or by contacting customer service directly through live chat or a call.
3. Enter all the correct details of your Amex card and personal information, so that it identifies you and helps you with the process of cancellation.
4. Your application will be followed up by an email of confirmation upon processing. It should be noted that you must keep this information for your record to avoid any dispute in the future.

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Cancellation Policy of Amex Credit Card

1. If you make a call to request a cancellation of your Amex card, you can dial the number that can be found on the back of your card. This method is the most straightforward in communicating with the live person from Amex customer service. 
2. For those who are out of the country, you can make a call to 13363931111. This also allows you to speak with customer service representatives from wherever you are in the world. 
3. In case you want to cancel a Corporate Card, the Company Program Administrator should be contacted at once. These are the ones who are assigned to manage corporate accounts and control the cancellation process. 

Check Your Credit Report

1. You can try to get a copy of your credit reports after one month after canceling the AMEX credit card. You can do this from any of the large credit bureaus like Experience, Equifax, or TransUnion. This is an adequate time to record the necessary information about your account closure and to update your credit report.
2. Make sure your credit report shows the account was closed at your request. You can also look for languages like “closed by consumer” to reflect it was your action and not that of the issuer.
3. In case you see that the account is still open, or is marked closed by the issuer and not yourself, you should dispute this with the credit bureau. Most credit bureaus have some type of online dispute process in which you will be asked to submit your correction request with the supporting documents it.
4. Lastly, keep the confirmation letter or email from American Express regarding the verification of closing of your account. This will help you in case there are any discrepancies on your credit report. This confirmation can be presented as proof of any dispute with the credit bureau for an error resolution. This will make sure that your correct credit history is maintained and that your credit score is not at the mercy of data that is incorrect.

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Alternatives Of Amex Credit Card:

1. Chase Sapphire Reserve: For a limited time, you can earn 60,000 bonus points after spending $4000 on purchases within the first three months of opening your account. These points are worth $900 when redeemed through Chase’s ultimate reward. Make this card quite interesting for people who would want to maximize their earnings on travel rewards and enjoy luxe benefits. With a minute is like 3X points on travel and dining, an annual $300. Treble Credit and access to the airport lounge. It’s Shikha designed to raise your travel experience to a whole new level.

2. Capital One Venture X Reward Credit Card: This card packs a punch when it comes to loads of impressive benefits for the frequent traveler. You can enjoy an annual $300 travel credit and a 10,000-mile anniversary bonus to help defray the annual fee. Cardholders also get priority. pass membership, which allows access to more than 1300 airport lounges worldwide. You will also get free access to Capital One lounges. You can get up to $100 credit for global entry or TS a pre-check which helps to make your travel easier 

If you have been thinking of any alternative to American Express, do consider options in Visa and Mastercard credit cards. These are worldwide cards with a plethora of rewards, cash back, travel, and business cards to serve many financial needs and credit profiles. For example, Visa has the Chase Freedom Unlimited®, where cardholders get cash back on every purchase, while Mastercard is home to the Citi® Double Cash Card, touting 2% cash back on all purchases. Another top option is Discover, especially for high-end cash-back rewards and no annual fees on many of its cards, thus making it a great option for value and simplicity.

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Final Words

Canceling an Amex credit card requires a lot of planning and a few major steps in advance. Be certain to pay the outstanding balances and redeem your rewards. You need to know the implications on your credit score before you finally cancel your card. This article will walk you through how to cancel Amex credit cards by calling, writing an email, or doing an online cancellation with clarity on the whole process and what the possible outcome may be. Moreover, it also advised on alternative credit card options so one can remain with choices for easy financing. 

By following these steps, you will see your way through the process of cancellation easily and confidently. You need to understand these steps and what follows, so that you will make an intellectual decision to protect your financial health by keeping your credit card accounts in check. 

Frequently Asked Questions