Thinking of how to close your credit card without the account number? It is very possible to do this. Since your credit card accounts are often linked to your personal information, like your social security number, you can still close the credit card without having the account number.
Weigh the Pros and Cons of Closing a Credit Card Without the Account Number
Some credit cards are best left open, like credit cards with balances, your only credit card with available credit, your oldest credit card or the credit card with the best terms.
If the credit card you are about to close still has a balance, it is best to pay off the balance before closing the credit score. Immediately you contact the card issuer, ensure they have your correct billing address on file and have a credit card statement mailed to you to enable you to verify the amount and pay off the balance. You can decide to pay the balance over time or all at once depending on what you can afford.
Call the Credit Card Company to Get the Account Number
The contact number of the company listing the account is contained in your credit report. You can use this to call the credit card company and let them know you have an account with them but you no longer have the account number. You’ll be prompted by the customer service representative for some information that will help them look up your account to get the account number. For privacy reasons, the company might have a policy against giving out credit card numbers over the phone If there’s no number listed on the credit report, search out the website and look for a “Contact Us” link on the site to find a contact number. You can also look thru your old documents to find a credit card statement from that creditor.
Close the Account Over the Phone
If the representative gives you the account number or at least the four digits of the account number over the phone, you can request for the account closure over the phone.
Follow Up In Writing
After closing your account over the phone, you are to follow it up by sending a certified letter to the credit card issuer confirming your request to have your credit card closed.
You are to include your name, address and last four digits of the account number in the letter. State also that you requested to have your credit card account closed on whatever date and that you want your credit record to reflect that the account was closed at your request. Check your credit report in a few weeks to confirm your account closure.