How to cancel a Citi credit card without calling |

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 Rewards Purchase APR Annual fee
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
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
0% intro for the first 18 months (then 12.99% to 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
1.5% cash back on all purchases
0% intro for the first 15 months (then 16.24%, 22.24% or 26.24% variable)
Earn unlimited 1.5% cash back on every purchase, every day.
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
0% intro for the first 12 months (then 14.99% to 25.99% variable)
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees
CardMatch™ from
CardMatch™ from
See terms
See issuer's website
See terms
Can't decide on a card? Get personalized credit card offers with CardMatch™.

Compare up to 4 providers

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