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.

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.

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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