How to cancel a TD Bank credit card without calling

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 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
17.49% to 26.49% variable
$0
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
N/A
0% intro for the first 18 months (then 12.99% to 20.99% variable)
$0
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)
$0
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 14.74% to 25.74% variable)
$95
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees
CardMatch™ from creditcards.com
CardMatch™ from creditcards.com
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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