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When closing an account, most banks require that you speak to a person to try and convince you to remain a customer. USAA, however, allows you to write a message through your online account when closing out your credit card.
Sometimes you’ll be offered a lower APR, an increase to your credit line and more. But if you’re set on closing your account, be prepared to decline any offer made.
Before you call to close your account, know that the customer service representative will try to convince you to keep your card. This is standard across providers and could include tempting offers, which might be worth considering. If you like the offer, consider closing another card and keeping this one.
But if you want to close your account for good, decline their offer and prepare:
When ready, call 800-531-USAA (800-531-8722).
It depends on your financial situation. Before closing your USAA credit card, you may want to consider:
To be certain that your account is closed, consider writing a cancelation letter. In your letter, you should include:
Send your letter to:
USAA Federal Savings Bank
10750 McDermott Freeway
San Antonio, TX 78288-9876
Now that you’ve decided to close your USAA credit card, compare your credit card options to find the best option for you.
Getting another credit card can have a positive impact on your credit score if the card has a higher credit limit. But as always, consider your financial needs before committing.
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