When you no longer require your Discover credit card, it is possible that you will be able to cancel it. Whatever your reason for cancelling, the process of cancelling your Discover credit card is straightforward and can be completed over the phone or through the mail. Before you cancel your credit card, you’ll want to gather some information to ensure that the process goes as smoothly as possible.
Part 1 Preparing To Cancel Your Discover Credit Card
1. Consider the possibility of deactivation. In the event that you intend to reactivate your card in the future, you may want to think about deactivating it. Your credit card will be permanently disabled if you cancel your order. Deactivation will make it inaccessible for a specified period of time, after which you will be able to access it once more at a later time.
Deactivation allows future use of your card.
Cancellation is permanent. You won’t be able to use your card again.
2. Before you cancel, make sure you’ve used your rewards. Depending on whether your Discover card offers rewards that you have accrued over the course of your card’s life, you may want to redeem these rewards before your card is cancelled. You will still receive your rewards even if you decide to cancel your card before redeeming them on your account.
3. Prepare your account information ahead of time. Before you call to cancel your credit card, you should gather any relevant information that you may require to make the call. Having this information readily available will enable your representative to assist you in a timely and accurate manner.
Prepare your account and credit card numbers in advance.
It is possible that you will be required to provide your social security number to your representative.
Understand which billing address is associated with your credit card.
It is possible that you will require the amount of your most recent bill.
4. Don’t be concerned about paying off a credit card balance. Even if you still owe money on your card, you can cancel it and avoid any further charges. Any debt that remains after the cancellation can be paid off in the same way that a regular credit card bill would be.
Even if you still owe money on your card, you can cancel it at any time.
Unless otherwise specified, any payments made after your cancellation will be treated as regular payments.
It may be possible to transfer balances to other credit sources.
5. Take into consideration your credit score. It is possible that cancelling your Discover credit card will have an impact on your credit rating. It is important to understand the implications of cancelling your reservation and how you can minimise any negative consequences before proceeding.
It is not possible to remove a credit score by cancelling a credit card.
If your card is one of your oldest credit cards, cancelling it may cause your credit history to appear shorter and your credit score to be lower than it would otherwise be.
Part 2 Canceling Your Discover Credit Card
1. Make a direct call to Discover. For more information on how to cancel your Discover credit card, call the company directly and speak with a customer service representative. As soon as you place your call, you will collaborate with the representative with whom you have been connected to complete your cancellation.
If you live in the United States, you can reach customer service by dialling (800)-DISCOVER (800-DISCOVER).
On the back of your credit card, you may also find contact information for customer service representatives.
2. Cancellation must be done by mail. If you are unable to cancel your Discover credit card over the phone, you may cancel your Discover credit card by mail. This will necessitate the submission of a written cancellation request to Discover, along with your account information, through the mail.
Please include your account number with your cancellation request to avoid confusion.
In order to cancel a personal credit card, you must send your information to the following address: Customer Service – General Inquiries, Discover Financial Services, P.O. Box 30943, Salt Lake City, Utah 84130-0943.
3. Destroy your credit card as soon as possible. After you have successfully cancelled your Discover credit card and received confirmation that your card has been cancelled, you will want to destroy the card in question. The act of shredding and disposing of your credit card will help to protect your identity and prevent credit card theft.
It is recommended that you use a cross-cutting shredder to destroy your card.
To cut the card if you don’t have access to a shredder, you can use a pair of scissors. Be as precise as possible with the size of the pieces you use for this project.
Creative Commons License