How to cancel a BB&T credit card | finder.com
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How to cancel a BB&T credit card

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You may need to do more than send a message to cancel this credit card.

If you’re trying to cancel your BB&T credit card, first try sending a secured message to customer service. Ultimately, however, you’ll likely need to talk to someone to close your account.

Banks like to get you on the phone to offer better card terms to convince you to stay. But if you’re set on closing your account, you can turn down the offers and continue canceling your card.

Looking for a new card?

Closing your BB&T credit card may clear the way for a new card with better rewards or a lower APR. Consider a card that best suits your financial needs, like a travel or rewards card. And compare your options to find the best rates you’re eligible for.

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$0
16.99% to 25.74% variable
0% for the first 15 months (then 16.99% to 25.74% 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
16.99% to 25.74% variable
0% for the first 15 months (then 16.99% to 25.74% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0 annual fee for the first year ($95 thereafter)
17.99% to 24.99% 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
17.99% to 24.99% 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
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)
A 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.
$0 annual fee for the first year ($95 thereafter)
17.99% to 26.99% variable

N/A

75,000 bonus points after you use your new card to make $3,000 in purchases within the first 3 months from account opening. Rates & Fees
$495
16.99% variable
0% for the first 15 billing cycles (then 16.99% variable)
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
$195
16.99% variable
0% for the first 15 billing cycles (then 16.99% variable)
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
$995
16.99% variable
0% for the first 15 billing cycles (then 16.99% variable)
Earn 2x points when redeemed for airfare through the Luxury rewards program.
$75 annual fee for the first year ($48 thereafter)
See terms*

N/A

The First Access Card is a true Visa® credit card that does not require perfect credit for approval.
$0 to $99
19.99% to 25.99% variable

N/A

Get 1% cash back rewards on eligible purchases.
Up to
19.99% to 25.99% 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
19.99% to 25.99% variable

N/A

Get 2x 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
19.39% variable

N/A

A secured Visa® credit card that helps you build your credit quickly.
$39
14.49% variable

N/A

No minimum credit score and no credit history required.
$49
10.49% variable

N/A

Build or rebuild your credit with this secured card.

Compare up to 4 providers

Steps to cancel your BB&T credit card

  1. Pay off your balance. You can’t close your card with a remaining balance. Pay off your balance off or transfer it to another account.
  2. Redeem your rewards. You’ll lose your rewards if you don’t use them.
  3. Contact customer service. Log in to your online account and send a secured message. Expect to get a reply within three business days.

How to call in to cancel

Even if you send an online message, it’s likely that you’ll need to talk to a customer service rep by phone. When you do, the bank could try to persuade you with exciting new offers like a lower APR, interest-free periods or other bonuses. Some of the offers may look too good to pass up. If that’s what you’re looking for, you can always change your mind and keep your BB&T card.

Otherwise, decline any offers and prepare the following:

  • Your credit card and account information.
  • Reason for canceling the card.
  • Pen and paper — to write down the representative’s ID and name.

When ready, call 800-226-5228 to cancel. If you’re deaf or hard of hearing, call 888-833-4228.

Will canceling my BB&T credit card affect my credit score?

Yes, canceling any credit card temporarily lowers your credit score, because it affects your overall credit utilization. If you’re in the market for a loan, you might want to consider:

  • Your overall credit utilization. The ratio of your total credit card balances to credit limits, or your credit utilization, makes up 30% of your overall credit score. Closing credit cards with available credit can lower your credit utilization — and lower your credit score.
    • Solution. The goal is to have 20% of available credit across all cards. Get another card with a higher credit limit than what you had with your BB&T card. Your utilization levels will drop, and this could balance out or improve your credit score. However, a new card requires a hard pull on your credit.
    • Future borrowing. With a temporary drop in your credit score, you may not be eligible for the strongest rates and terms on future loans.
      • Solution. Wait until your loan is approved before you cancel your BB&T credit card.

      After you’ve canceled your BB&T credit card.

      After you’ve canceled your BB&T card over the phone or through an online message, consider sending a formal letter to confirm the cancellation, including:

      • Your name and address.
      • Your credit card number.
      • The date of cancellation and the name and ID of the representative you talked to.
      • Request for an account closure confirmation letter.

      When ready, send your letter to:

      BB&T
      PO Box 200
      Wilson, NC 27893

      After closing your BB&T credit card, compare your credit card options and consider a replacement for the card you’ve canceled.

Kliment Dukovski

Kliment Dukovski is a writer who specializes in global financial markets and personal finance, with a focus on credit cards. His main goal is to deliver honest and accurate information to help you make the right financial decision. When he's not writing about finance-related subjects, he writes sci-fi stories.

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