How to cancel a TD Bank credit card without calling
TD Bank loans

How to cancel a TD Bank credit card without calling

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Once you pay off your balance and stop any recurring payments, you’re ready to close that TD Bank credit card. But what if you don’t want to call it in?

We understand. Banks prefer you to call and cancel your credit card so that a representative can convince you to stay. You may have to say no multiple times before you can cut them loose.

Can you cancel your TD Bank credit card without calling?

You might be able to cancel your card without picking up the phone.

Here’s how to at least get the ball rolling:

1. Log in to your TD Bank Online Banking account.
2. Click Send a Secure Message in the Message Center to the left of your screen
3. Send a message to TD Bank customer service. Include your credit card number and a brief message stating that you want to close your account.

If you’re unable to cancel your card online, call TD Card Services at 1-888-561-8861.

What to expect when you call to cancel your card

Set aside some time when calling to cancel your card. The representative you speak to will likely try to persuade you to keep you account open with offers of perks and benefits. They may even forward you to the bank’s customer retention division.

Arm yourself with reasons for closing your account. If you’re simply interested in a lower APR or annual fee, tell them. You may be surprised at what they’ll give you.

Have a game plan

Whatever your situation, know before you call whether you’ll change your mind. You don’t want to be persuaded into a decision you’ll later regret.

If perks don’t solve your problem of overspending, consider sticking to no — no matter what deals come your way. You may need to say it several times before you’re taken seriously.

Will canceling my TD Bank credit card affect my credit score?

It might. This is because credit bureaus look at how much credit is available to you compared to how much you’re using — know as credit utilization ratio. So closing a credit card, especially one with a high spending limit, might hurt your credit.

In general, the lower your credit utilization ratio, the less risk you’re considered to be. Credit bureaus like to see your credit utilization ratio at 30% or below. So you might choose to pay down your credit card but keep it open to keep your ratio strong.
How does a credit utilization ratio affect my score?

After you’ve canceled your credit card

After you’ve canceled your card online or by phone, write a letter to TD Bank with your cancellation request, including your credit card number and account number.

Send your signed letter to:

TD Card Services
PO Box 84037
Columbus, GA 31908-4037

For more steps you can take, read our guide to canceling your credit card.

Explore replacement cards

Now that you are closing your TD bank credit card, are you looking for a new card to replace it? If so, the chart below can help you find a card with the features you want. Click on the Compare buttons to see a comparison of your selected 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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