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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.

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.

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.
Should I get a credit card from my bank or a different one?

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$0
17.24% to 25.99% variable
0% for the first 15 months (then 17.24% to 25.99% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0
15.24% to 26.24% variable
0% for the first 15 months (then 15.24% to 26.24% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
17.24% to 25.99% variable
0% for the first 15 months (then 17.24% to 25.99% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0 annual fee for the first year ($95 thereafter)
18.24% to 25.24% variable

N/A

Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
$95
15.24% to 26.24% variable
0% for the first 12 months (then 15.24% to 26.24% variable)
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
15.24% to 26.24% variable
0% for the first 15 months (then 15.24% to 26.24% variable)
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
$450
19.24% to 26.24% variable

N/A

Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
$550
None (Charge Card)

N/A

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
$0
14.24% variable
0% for the first 15 billing cycles (then 14.24% variable)
A low, variable APR on purchases, balance transfers and cash advances.
$0 annual fee for the first year ($89 thereafter)
18.24%, 22.24% or 25.24% variable
0% for the first 12 billing cycles (then 18.24%, 22.24% or 25.24% variable)
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
$0 annual fee for the first year ($95 thereafter)
17.99% to 26.99% variable

N/A

30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
$0
17.99% to 26.99% variable

N/A

Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & Fees
$95
17.99% to 26.99% variable

N/A

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
17.99% to 26.99% variable

N/A

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
$0
12.99% to 17.99% variable
0% for the first 12 months (then 12.99% to 17.99% variable)
Earn 25,000 bonus points when you spend $2,500 in the first 90 days from account opening.
$0
11.99% to 17.99% variable
0% for the first 12 months (then 11.99% to 17.99% variable)
2% cash back for all PenFed Honors Advantage members and 1.5% cash back on all purchases made with your card.
$0
11.99% to 17.99% variable
0% for the first 12 months (then 11.99% to 17.99% variable)
Earn 5x points on gas at the pump and 3x points on groceries. Earn 1x points on all other purchases.
$0
15.24%, 19.24% or 25.24% variable
0% for the first 15 months (then 15.24%, 19.24% or 25.24% variable)
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
$0
13.24%, 17.24% or 21.24% variable
0% for the first 18 months (then 13.24%, 17.24% or 21.24% 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.
$495
17.24% variable
0% for the first 15 billing cycles (then 17.24% variable)
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
$195
17.24% variable
0% for the first 15 billing cycles (then 17.24% variable)
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
$995
17.24% variable
0% for the first 15 billing cycles (then 17.24% variable)
Earn 1x points when redeemed for airfare through the Luxury rewards program.
$0
15.24% to 26.24% variable

N/A

Build your credit with no fees: Apply if you're new to credit or have a fair to good score over 620.
See terms
See terms

N/A

The First Access Card is a true Visa® credit card that does not require perfect credit for approval.
$0
9.24% to 17.99% variable
0% for the first 12 months (then 9.24% to 17.99% variable)
Low APR on all purchases including cash advances.
$0
11.99% to 17.99% variable
4.99% for the first 12 months (then 11.99% to 17.99% variable)
Earn a $100 bonus after spending $1,500 on purchases in the first 90 days from account opening.
$0 to $99
20.24% to 26.24% variable

N/A

Get 1% cash back rewards on eligible purchases.
$0 to $99
20.24% to 26.24% variable

N/A

Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV.
$0 to $99
20.24% to 26.24% variable

N/A

Get 1% cash back rewards on eligible purchases and double cash back rewards at the NASCAR.com Superstore.
$0 to $99
23.9% fixed

N/A

The Indigo® Platinum Mastercard® Credit Card is specifically designed for those with less than perfect credit.
$48
9.99% fixed

N/A

This secured card can help you rebuild your credit with an initial deposit of $200 to $1,000.
$35
19.64% variable

N/A

A secured Visa® credit card that helps you build your credit quickly.
$39
14.74% variable

N/A

No minimum credit score and no credit history required.
$49
10.74% variable

N/A

Build or rebuild your credit with this secured card.

Compare up to 4 providers

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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