A step-by-step guide in 9 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.)
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. First, you’re probably aimlessly navigating your Chase dashboard searching for a “cancel card” button with no luck.
2. The “things you can do” dropdown menu conspicuously lacks a “cancel my card” option…
…even under “Account Services” and “Settings & Preferences.”
3. Ignore that dropdown and select the “hamburger” menu icon in the top left of the dashboard. Select “Secure Messages.”
4. You’ll see a rather outdated window appear.
5. 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:
6. Confirm the email Chase has on file is correct, otherwise you won’t be notified when they respond to your message.
7. Select “Compose Message.” Then under the “Credit Card” section of “My Personal Account,” select “Other/Not Listed” from the dropdown menu.
8. Select the card you’d like to cancel from the Account Number dropdown menu.
9. 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.
10. Click “Send” and you’re off to the races!
Canceling Your Chase Credit Card with Secure Message Center
Again, without screenshots:
- Login to your online account so that you are on your Chase dashboard.
- Avoid the “Things you can do” dropdown.
- Select the hamburger menu icon in the top left and click “Secure Messages.”
- An outdated window will appear.
- Confirm the email Chase has on file is correct, otherwise you won’t be notified when they respond to your message
- Select “Compose Message.” Then under the “Credit Card” section of “My Personal Account,” select “Other/Not Listed” from the dropdown menu.
- Select the card you’d like to cancel from the Account Number dropdown menu.
- 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.
- Click “Send”!
I received a message in the Secure Message Center window within 15 minutes or so noting: 1) My message was received; 2) They’ll respond to my message within 24 hours; and 3) 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.