Closing an HDFC credit card is not necessarily a complicated process. But if you do it in the right way it won’t damage your credit score.
NEW DELHI: Closing an HDFC credit card is not necessarily a complicated process. If you do it in the right way it won’t damage your credit score. Now you might be thinking what is credit score, it is an important numerical expression which is based on a level analysis of a person's credit files, to represent the credit worthiness of an individual.
Read on to know the ways to close the HDFC credit card.
Approach customer care
You can initiate the cancellation process of your HDFC credit card by calling the bank’s customer service number and asking for the card cancellation. Any HDFC cardholders can do it by calling the toll-free number 1800-425-4332.
Credit card closure form
The HDFC card holder who wishes to close their credit card can download the credit card closure form from the official website of HDFC- hdfcbank.com. After filling the form, it should be sent to the Manager, HDFC Bank Credit Cards, PO Box 8654, Thiruvanmiyur, Chennai-600041.
A letter to Manager
The HDFC card holder can send a letter to the manager of the corporate office at the above mentioned address. The letter should include important details such as card number, name (as on the credit card), address, and contact details. It should be noted that confidential details like card’s CVV number and PIN number should not be disclosed in the letter.
Things to do before you cancel your HDFC credit card
1. Pay the transactions: Before cancelling the HDFC credit card you should make sure that all outstanding balance and EMIs on that credit card has been paid.
2. Reward Points: The HDFC cardholders are advised to check the number of unredeemed reward points before raising request for the credit card cancellation. Those points can get you attractive gifts from the bank rewards catalogue.
3. Don’t use the card further: Once you have raised the request for the cancellation, it is always advised no to use the card. The bank will terminate the credit card cancellation process if card holder initiates a fresh due.
