How To Close An Hdfc Credit Card?
Cardholders frequently discover that managing a credit card is not a simple task. Additionally, there are instances when they never use a credit card since they are so accustomed to paying with their debit card or cash.
In some circumstances, cardholders wish to switch to a card that better meets their financial demands. In these instances, cardholders are encouraged to cancel or close the card they no longer wish to use.
HDFC has a suitable system for the cancellation or deactivation of credit cards.
After the cardholder makes a request, it takes the bank seven to ten business days to cancel a credit card. A cardholder can cancel their HDFC credit card by following a few straightforward steps. Listed below are the available options.
How to Close or Cancel an HDFC Credit Card?
The following procedures allow HDFC credit cardholders to cancel or close their credit cards.
- Credit card holders of HDFC Bank can cancel their cards at any moment by dialing the toll-free Helpline Number (61606161/6160616). To contact the customer service department for your city, you must add your area code to the number provided.
- Credit card holders can obtain and complete the Credit Card Closure Form from www.hdfcbank.com. After completing the form, it can be sent to the Manager, HDFC Bank Credit Cards, P.O. Box 8654, Thiruvanmiyur, Chennai-600041.
- Alternately, they may write to the corporate office manager at the same address. Cardholders must include essential information such as their card number, name, address, and contact information. However, they should not reveal personal information such as the card's CVV and PIN.
- After initiating the cancellation procedure, the cardholder must cut the affected credit card diagonally. Additionally, customers should be aware that the supplementary credit cards will be automatically canceled whenever they cancel or close the principal credit card.
Things to Keep in Mind Before Canceling or Disabling your HDFC Credit Card
It is acceptable for a cardholder to commence a procedure to deactivate or cancel their HDFC credit card at any time; however, they should verify a few before proceeding.
Before commencing the cancellation process for a credit card with HDFC, the cardholder must complete the following steps:
- Before canceling a credit card, cardholders must ensure that all outstanding balances or EMIs have been paid in full. If they commence the cancellation process without paying the outstanding balance or clearing the EMIs, the bank will contact them via their registered phone number or email.
- Before submitting a credit card cancellation request, cardholders are recommended to determine the number of unredeemed reward points. These points can be redeemed for desirable items from the bank's rewards catalog. These points can also be redeemed for discounts on other items and services.
- Don't use the credit card before cancellation: If the cardholder uses their credit card shortly before canceling it, the bank will not proceed with the cancellation. New payments on credit cards slated for cancellation terminate the cancellation procedure. The bank will proceed only after the current debts have been settled.
- Before canceling their credit card, cardholders should meticulously examine their most recent credit card statement to ensure that no fraudulent transactions have been made using their card.
- They must also trash the card by cutting it diagonally once the bank has complied with their request to cancel the card.
