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How to cancel a Chase credit card

A step-by-step guide in 6 screenshots.

Updated

Fact checked

Looking to cancel a Chase credit card? If you’ve brought your balance to $0 and you no longer need your card, it should be easy. However, most credit card companies, Chase included, prefer you call the number on the back of your card and let a representative talk you out of your decision.

Fortunately, you can cancel your card online through Chase’s Secure Message Center. This guide will walk you through those steps. You can also review our guide to canceling your credit card before taking the plunge.

Note

The steps below were done for the Chase Freedom®, an unused card I’ve had since college. The same steps should apply when canceling any Chase credit card.

1. Log in to your account and from your account dashboard, select the hamburger menu icon in the top left. Select Secure messages.

Secure Messages screenshot

2. You’ll be taken to the Secure Messages page.

Cancel Chase credit card screenshot

3. Confirm the email Chase has on file is correct, otherwise you won’t be notified when they respond to your message.

4. Select New message. Then select I have a question about one of my accounts from the dropdown menu, followed by the card account you’re canceling in the second dropdown menu. Finally, select Account inquiry from the third dropdown menu that appears.

Secure Message Dropdown screenshot Step one

5. Click on Send us a message.

6. Write a brief message about why you’d like to cancel your card. Saying you no longer have use for it should be enough and explain that it has a $0 balance.

Secure Message Dropdown screenshot Step three

7. Click Send message and you’re off to the races!

Canceling Your Chase Credit Card with Secure Message Center without screenshots:

  1. Login to your online account so that you are on your Chase dashboard.
  2. Avoid the Things you can do dropdown.
  3. Select the hamburger menu icon in the top left and click Secure messages.
  4. An outdated window will appear.
  5. Confirm the email Chase has on file is correct, otherwise you won’t be notified when they respond to your message
  6. Select Compose message. Then under the Credit card section of My personal account, select Other/Not listed from the dropdown menu.
  7. Select the card you’d like to cancel from the Account number dropdown menu.
  8. Write a brief message about why you’d like to cancel your card. Saying you no longer have use for it should be enough and explain that it has a $0 balance.
  9. Click Send!

What happens next?

I received a message in the Secure Message Center window within 15 minutes or so noting:

  • My message was received.
  • They’ll respond to my message within 24 hours.
  • They’ll send me an email letting me know the message is available on the Secure Message Center, where I’ll need to log in again to read it.

The next morning (within 11 hours, to be exact) I received another message from Chase. I logged into the Secure Message Center and it read: “I’m sorry to learn that you have chosen to close your account. I’ve closed your account ending in xxxx as you requested.” That’s it!

As of now, this is the easiest way to cancel your Chase credit card online without calling a representative. Chase claims they’ll respond to your inquiry in one business day. For me, it was even quicker than expected. All things considered, a business day isn’t so bad when the alternative is being a prisoner of elevator music, stuck on hold forever, or being strong-armed by a rep into keeping your card.

Looking for a new card?

You might be canceling your Chase credit card because you’re looking for a card with more rewards or no annual fee. If you want a card that better meets your needs, use our Card Recommendation Tool to find a card that fits what you’re looking for.

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