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Can I cancel a Wells Fargo credit card without calling?

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Even if you’ve decided it’s time to cancel your Wells Fargo credit card, it could be hard finding the time to call in.

You may have to add that to the to-do list, given how difficult banks can make canceling your credit cards. By forcing you to call in, representatives get the opportunity to convince you to stay.

Wells Fargo isn’t a bank that makes it easy for you to cancel your card without calling.

Here’s what to expect when canceling your Wells Fargo credit card — and how to toughen up for a potential hard sell.

Prepare for your call with our guide to canceling your credit card

Is it possible to cancel a Wells Fargo credit card online?

In short, no. To cancel your Wells Fargo credit card, you’ll have to call 800-642-4720.

What to expect when you call to cancel your card

Representatives are skillful at detecting wavers in your voice. So before you call, arm yourself with reasons you’d like to cancel your card.

If you’re canceling because your APR is too high or you don’t want to pay an annual fee, let them know that. And if you’re dead set on canceling, dig in your heels — even if you’re transferred to Wells Fargo’s customer retention division for more persuading.

Have a game plan

Know ahead of time if you’ll change your mind if offered the right perks. You might be surprised at what your bank is willing to negotiate.

Of course, if you’re trying to get your finances under control, more perks will only add to the problem. In that case, make sure your card has a zero balance and be firm and consistent with your no, no matter what they entice you with.

Will canceling my Wells Fargo credit card affect my credit score?

It might. Credit bureaus determine your creditworthiness by looking at factors like your payment history and the age of your credit.

But they also look at how much credit is available to you compared to how much you’re using — known as your credit utilization ratio. In general, the lower your ratio, the lower their risk in taking you on as a borrower.

Canceling a credit card with a high spending limit might hurt your credit score if doing so increases your ratio. Credit bureaus like to see your credit utilization ratio at 30% or below. Learn more in our guide on how credit utilization affects your credit score.

What do I do after I’ve called to cancel my card?

After you’ve canceled your card online or over the phone, mail a written letter to Wells Fargo with your cancellation request, including your credit card number and account number.

Send your signed letter to:

Wells Fargo Financial Cards
PO Box 5943
Sioux Falls, SD 57117-5943

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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