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.

Replace your canceled card with a new card

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.

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)
$0
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.

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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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