How to cancel a Citi credit card without calling (with screenshots)
Citibank International Money Transfers Comparison

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.

cancel a Citi credit card without calling step1a

cancel a Citi credit card without calling step1b

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

cancel a Citi credit card without calling step2

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

cancel a Citi credit card without calling step3

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

cancel a Citi credit card without calling step 4

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

cancel a Citi credit card without calling step5a

cancel a Citi credit card without calling step5b

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

cancel a Citi credit card without calling step6

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

cancel a Citi credit card without calling step7

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’ve canceled 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 APR for Purchases (Purchase Rate) Intro APR for Balance Transfer Annual Fee
14.74%, 18.74% or 24.74% variable
0% for the first 15 months (then 14.74%, 18.74% or 24.74% variable)
$0
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees
12.74%, 16.74% or 20.74% variable
0% for the first 18 months from account opening (then 12.74%, 16.74% or 20.74% variable)
$0
An 18-month 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
16.74% variable
0% for the first 15 billing cycles (then 16.74% variable)
$495
Mastercard Black Card members receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
16.74% variable
0% for the first 15 billing cycles (then 16.74% variable)
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
16.74% variable
0% for the first 15 billing cycles (then 16.74% variable)
$995
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.
24.74% variable
$39
Designed to help build credit history with no deposit required and access to benefits.
23.9% variable
$75 annual fee for the first year ($99 thereafter)
With this card you get a 23.9% Variable APR.
19.74% to 25.74% variable
$0 to $99
Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
14.74% to 25.74% variable
0% for the first 15 months (then 14.74% to 25.74% variable)
$0
Earn 10,000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months.
14.99% to 24.99% variable
0% for the first 12 statement closing dates (then 14.99% to 24.99% variable)
$0
Earn more cash back for the things you buy most.
14.74% to 25.74% variable
0% for the first 15 months (then 14.74% to 25.74% variable)
$0
Earn $200 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $200 back in the form of a statement credit.
17.74% to 24.74% variable
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 points when you spend $4,000 on purchases within the first 3 months of your account opening, and an additional 30,000 points when you spend a total of $30,000 on purchases within the first year of your account opening.
17.74% to 24.74% variable
$450
Earn 50,000 BONUS POINTS after spending $4,000 on purchases in the first 3 months from account opening* — that's $750 toward travel when you redeem through Chase Ultimate Rewards®.
14.74% to 24.74% variable
0% for the first 12 months (then 14.74% to 24.74% variable)
$95
15,000 Membership Rewards points after you spend $1,000 in the first 3 months of opening your account
16.74% to 25.49% variable
0% for the first 15 months (then 16.74% to 25.49% variable)
$0
Earn unlimited 1.5% cash back on every purchase - it's automatic. No minimum to redeem for cash back.
17.74% to 24.74% variable
$95
Earn unlimited 2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases.
14.74%, 20.74% or 24.74% variable
0% for the first 15 months (then 14.74%, 20.74% or 24.74% variable)
$0
Earn unlimited 1.5% cash back on every purchase, every day
16.74% to 25.49% variable
0% for the first 15 months (then 16.74% to 25.49% variable)
$0
Earn 5% Cash back in bonus categories up to $1,500 every quarter. Earn 1% Cash back on all other purchases.
16.74% to 24.74% variable
$0
20,000 online bonus points offer. Ditch the restrictions of typical airline rewards cards. Any airline, any hotel, anytime. No blackout dates.
16.74% to 25.49% variable
0% for the first 15 months (then 16.74% to 25.49% variable)
Jumpstart your financial fitness! 60 day introductory balance transfer offer, save on interest, and get your free monthly credit score.
14.74%, 21.24% or 24.74% variable
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 bonus miles after spending $3,000 on purchases within the first 3 months from account opening.

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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