{"id":189328,"date":"2019-04-24T17:43:24","date_gmt":"2019-04-24T16:43:24","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=189328"},"modified":"2024-12-19T10:35:06","modified_gmt":"2024-12-19T10:35:06","slug":"how-to-cancel-a-natwest-credit-card-without-calling","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/credit-cards\/natwest\/how-to-cancel-a-natwest-credit-card-without-calling","title":{"rendered":"How to cancel a NatWest credit card without calling"},"content":{"rendered":"

It happens. You got a NatWest credit card a while ago, you believed it was a great deal, but now you\u2019ve changed your mind and want to cancel it.<\/p>

Most banks don\u2019t give you the chance to cancel your card online because they\u2019d rather have a chat with you first to see if they can offer you a better deal, and NatWest is no exception. But instead of calling, you can send a letter or pop into a branch.<\/p>

How to cancel your NatWest credit card<\/h3>

The first thing to do is clear the balance on your credit card, so that you don\u2019t owe NatWest any money. If you can\u2019t, you may want to transfer it to a balance transfer credit card<\/a> that gives you time to pay it off without charging any further interest.<\/p>

If you have one of NatWest\u2019s rewards credit cards, you may also want to redeem all the points you have earned and treat yourself one last time before leaving.<\/p>

In order to be able to close the account, you\u2019ll need your credit card and bill for account information. You\u2019ll be asked why you want to cancel it, but you can simply say that you don\u2019t want it anymore.<\/p>

By phone<\/h4>

You can call NatWest\u2019s credit card services 24\/7 at 0370 333 9091 both from the UK and from abroad (adding the +44). It\u2019s a good idea to write down the name and ID number of the representative you speak to, just in case.<\/p>

Message via Cora online, or in NatWest app<\/h4>

You can contact the NatWest credit card team via secure messaging within your NatWest app or online through Cora, available 24\/7. Type \u2018Close my credit card\u2019 into Cora and follow the instructions from there.<\/p>

By mail<\/h4>

If you really don\u2019t want to talk to anyone, you can request the closure of your card by writing a letter and addressing it to Cards Customer Services, <\/span>PO BOX 5747, <\/span>Southend On Sea, SS1 9AJ. Sign the letter and also keep a copy for yourself<\/span>.<\/p>

In person<\/h4>

You can also cancel your credit card by popping into a NatWest branch, but you\u2019ll need some form of ID.<\/p>

Will cancelling my NatWest credit card affect my credit score?<\/h3>

It might, although if your credit score is generally good, the change won\u2019t be especially significant.<\/p>

Whether it has an effect will depend on your credit utilisation ratio. This ratio captures how much of your available credit you are actually using. Using a lot of the credit available to you will have a negative impact on your credit score. With one credit card less, the amount of credit you have available will decrease, so your utilisation ratio may increase in turn, thus (slightly) impacting your credit score.<\/p>

After cancelling your NatWest credit card<\/h3>

Cancelling your card via phone is usually okay, but in the past there have been cases of people who got stuck with an open account even though they believed it had been closed. To avoid paying unnecessary fees, it\u2019s a good idea to follow up with a cancellation letter, which should include the following:<\/p>