How to cancel a Citi credit card without calling (with screenshots)
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How to cancel a Citi credit card without calling (with screenshots)

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So you want to cancel your Citi credit card — without speaking to a representative?

That’s perfectly understandable. There’s a reason banks prefer you call to cancel — often it’s so a representative can convince you to stay. It can be an annoying dance: You decline the rep’s repeated offers until one of you caves.

Before trying to cancel your Citi credit card, prepare by reading our guide to canceling without a call.

Looking for a new card?

So you’re canceling your Citi credit card. Now what? If you’re looking for a new card, you may want one that has features and rewards that your old card was missing. Below is a chart that helps you compare credit cards side-by-side and find one that suits you. If you click the Compare buttons, you can see a more detailed comparison of up to four cards.

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$95
14.99% to 25.99% variable
0% for the first 12 months (then 14.99% to 25.99% variable)
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn up to $250 back. Earn $150 back after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. Rates & Fees
$0
16.99% to 25.74% variable
0% for the first 15 months (then 16.99% to 25.74% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0
16.99% to 25.74% variable
0% for the first 15 months (then 16.99% to 25.74% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0 annual fee for the first year ($95 thereafter)
17.99% to 24.99% variable
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
$550
None (Charge Card)
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & Fees
$450
17.99% to 24.99% variable
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
$0
13.99% variable
0% for the first 15 billing cycles (then 13.99% variable)
A low, variable APR on purchases, balance transfers and cash advances.
$0 annual fee for the first year ($89 thereafter)
17.99%, 21.99% or 24.99% variable
0% for the first 12 months (then 17.99%, 21.99% or 24.99% variable)
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
$0
14.99%, 18.99% or 24.99% variable
0% for the first 15 months (then 14.99%, 18.99% or 24.99% variable)
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
$0
12.99%, 16.99% or 20.99% variable
0% for the first 18 months (then 12.99%, 16.99% or 20.99% variable)
An 18 months 0%% Intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees
$0
16.24% to 22.24% variable
1.99% for the first 6 monthly billing cycles (then 16.24% to 22.24% variable)
1% cash back to the nonprofits, K-12 schools, colleges and religious organizations of your choice.
$0
17.74% to 26.74% variable
Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & Fees
$0 annual fee for the first year ($95 thereafter)
17.74% to 26.74% variable
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
$0 annual fee for the first year ($95 thereafter)
17.74% to 26.74% variable
Enjoy a $0 annual fee on the first year and earn up to 2 Starpoints® for every dollar of eligible purchases. Rates & Fees
$95
17.74% to 26.74% variable
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
$0
17.74% to 26.74% variable
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & Fees
$495
16.99% variable
0% for the first 15 billing cycles (then 16.99% variable)
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
$195
16.99% variable
0% for the first 15 billing cycles (then 16.99% variable)
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
$995
16.99% variable
0% for the first 15 billing cycles (then 16.99% variable)
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.
$75 annual fee for the first year ($99 thereafter)
23.9% variable
The Indigo® Platinum Mastercard® Credit Card is specifically designed for those with less than perfect credit.
$75 annual fee for the first year ($48 thereafter)
29.99% fixed
The First Access Card is a true VISA® credit card that does not require perfect credit for approval.
Up to
19.99% to 25.99% variable
Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
$35
19.39% variable
A secured Visa® credit card that helps you build your credit quickly.

Compare up to 4 providers

Steps to cancel your Citi credit card online

1. Log in to your Citi account dashboard with your user ID and password.

Citi principal webpage

Citit costco credit card details webpage

2. Scroll to the bottom of the page and click Contact Us.

Citi offer and benefits webpage

3. On the Contact Us page, scroll down until you see the Secure Message Center link. Click it.

Citi secure message center

4. In the drop-down menu, select the card you want to cancel.

Citi secure message center costco credit card webpage

5. Click the green Send a New Message button. A Write Your Message section will appear.

Citi secure message center inbox costco credit card webpage

Citi secure message center inbox 2 costco credit card webpage

6. In the Topic drop-down menu, select Account — Other.

Citi write your message topic webpage

7. In the subject line, write “Close account ending in ####.” Then write one sentence stating that you want to close your card.

Citi write your message email webpage

In most cases, Citi will reply within 24 hours confirming your account has been closed.

Still want to call in?

You may not be able to cancel your card online. In that case, call Citi at 800-950-5114.

Before you call, know why you’re trying to cancel. Are you 100% certain you want to cancel your card, or do you simply want to change an aspect of your card you’re unhappy with?

Canceling over the phone is not a straightforward process. The bank’s representative will likely try to convince you to keep your credit card open. They may even forward you to the bank’s customer retention division for more persuading.

Have a game plan

Know whether you’ll change your mind if the rep offers enticing perks. For example, would you be willing to stay if you’re offered a lower interest rate?

Of course, perks might not solve the core problem behind why you wanted to cancel your card in the first place. If you’re deep in debt and want to close your card to avoid spending more, consider saying no to any enticement the rep throws your way.

Will canceling my Citi credit card affect my credit score?

Yes, canceling a credit card — especially one with a high spending limit — can hurt your credit score. Credit bureaus like Experian, Equifax and TransUnion are interested in your total credit available and how much of that you’re using, referred to as your credit utilization ratio.

A low ratio is a strong indicator of a safe credit risk. Credit bureaus like to see your credit utilization ratio at 30% or below, and closing a card with a high spending limit and a zero balance might adjust your ratio to above 30%. For more information, read our guide on how credit utilization affects your credit score.

After you’ve canceled your credit card

After you’ve canceled your card online or over the phone, send a written letter to Citibank with your cancellation request. Include your credit card number and account number.

Send your signed letter to:

Citibank Customer Service
P.O. Box 6500
Sioux Falls, SD 57117

For additional steps, read our guide to canceling your credit card.

Kevin Joey Chen

Kevin Chen is a world-travelin', copy-writin', Game of Thrones-watchin' credit cards writer for finder.com. When he's not crunching the numbers on bonus points and comparing APRs, you can find him flying around the world in search of the perfect beer.

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
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