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How to cancel a Chase Credit Card without calling

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A step-by-step guide in 6 screenshots.

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. Most credit card companies however, 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. (Make sure to review our guide to cancelling your credit card before making the plunge.)

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, the chart below can help you compare the most popular cards on the market. Try clicking the Compare buttons, as it allows you to see a more in-depth comparison of up to four cards.

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$95
14.99% to 25.99% variable
0% for the first 12 months (then 14.99% to 25.99% variable)
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$550
None (Charge Card)
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
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn up to $250 back. Earn $150 back after you spend $1,000 or more in purchases with your new card within the first 3 months of Card Membership. Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. You will receive the cash back in the form of a statement credit. Rates & Fees
$0
13.99% variable
0% for the first 12 billing cycles (then 13.99% variable)
A low, variable APR on purchases, balance transfers and cash advances.
$0 annual fee for the first year ($89 thereafter)
17.99%, 21.99% or 24.99% variable
0% for the first 12 months (then 17.99%, 21.99% or 24.99% variable)
Enjoy 60,000 bonus miles after spending $5,000 on purchases in the first 90 days.
$0
14.99%, 18.99% or 24.99% variable
0% for the first 15 months (then 14.99%, 18.99% or 24.99% variable)
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
$0
12.99%, 16.99% or 20.99% variable
0% for the first 18 months (then 12.99%, 16.99% or 20.99% variable)
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
$0
11.99% to 21.99% variable
1.99% for the first 6 monthly billing cycles (then 11.99% to 21.99% variable)
1% cash back to the nonprofits, K-12 schools, colleges and religious organizations of your choice.
$0
17.74% to 26.74% variable
Earn 10,000 Bonus Miles after spending $500 in purchases on your new card in your first 3 months of Card Membership. Rates & Fees
$0 annual fee for the first year ($95 thereafter)
17.74% to 26.74% variable
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
$0 annual fee for the first year ($95 thereafter)
17.74% to 26.74% variable
Enjoy a $0 annual fee on the first year and earn up to 2 Starpoints® for every dollar of eligible purchases. Rates & Fees
$95
17.74% to 26.74% variable
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
17.74% to 26.74% variable
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
$495
16.99% variable
0% for the first 15 billing cycles (then 16.99% variable)
Mastercard Black Card members 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 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.
$39
24.99% variable
Designed to help build credit history with no deposit required and access to benefits.
$75 annual fee for the first year ($99 thereafter)
23.9% variable
The Indigo® Platinum Mastercard® Credit Card is specifically designed for those with less than perfect credit.
$75 annual fee for the first year ($48 thereafter)
29.99% variable
The First Access Card is a true VISA® credit card that does not require perfect credit for approval.
Up to
19.99% to 25.99% variable
Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
$0
20.74% variable
Designed for college students to build credit history and earn rewards.
$35
19.14% variable
A secured Visa® credit card that helps you build your credit quickly.

Compare up to 4 providers

Note

The steps below were done for the Chase Freedom® credit card, 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 see a rather outdated window appear.

Cancel Chase credit card screenshot

3. At the time of this writing Chase has not updated their Secure Message Center to match the user dashboard. They plan to update it soon, as noted by a message at the top of the window:

Secure message center screenshot

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

5. Select “Compose Message.” Then under the “Credit Card” section of “My Personal Account,” select “Other/Not Listed” from the dropdown menu.

Secure Message Dropdown screenshot Step one

6. Select the card you’d like to cancel from the Account Number dropdown menu.

Secure Message Dropdown screenshot Step two

7. 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

8. Click “Send” 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.

Chase Freedom® vs. Chase Freedom Unlimited®

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
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