How to Cancel Extra Card

How to Cancel Extra Card

Have you ever signed up for a credit card just to get a promotional offer or store discount, and then forgotten about it? Many of us end up with extra credit cards that go unused, but they can actually hurt your credit score and leave you vulnerable to things like annual fees, fraudulent charges if stolen, and more. Getting rid of cards you don’t regularly use is usually a smart financial move.

In this post, I’ll walk through an easy step-by-step guide on how to properly cancel unnecessary credit cards.

Reason for Cancelling: Extra Card

There are various reasons why you may want to cancel an extra card. Perhaps you have obtained a better credit card with more competitive rewards and benefits. Or maybe you simply want to streamline your finances and reduce the number of cards you have. Whatever the reason, canceling an extra card is a straightforward process if you follow the necessary steps.

Step-by-Step Guide: Extra Card

  1. Contact the Issuing Bank: Start by reaching out to the bank that issued the extra card. You can usually find their customer service contact information on the back of the card or on their website. Inform them of your intention to cancel the card and inquire about the necessary steps.
  2. Verify Card Details: The bank will likely ask you to verify certain details to ensure that you are the authorized cardholder. Be prepared to provide information such as your card number, name, and any other identifying information they may require.
  3. Request Card Cancellation: Clearly state your request to cancel the extra card during your conversation with the bank representative. They may ask for your reasons for canceling, but you are not obligated to provide a detailed explanation.
  4. Cut the Card: Once the card cancellation has been confirmed, it is essential to physically destroy the card. Cut through it with scissors to render it unusable and dispose of it securely to protect your personal information.
  5. Confirm Cancellation: After a few days, contact the bank again to confirm that the extra card has indeed been canceled. This step is crucial to ensure that there were no miscommunications or delays in the cancellation process.

Frequently Asked Questions:

  1. Q: Will canceling the extra card affect my credit score?
    A: Canceling an extra card can initially cause a slight dip in your credit score due to the reduction in available credit. However, the impact is usually temporary, and your score should gradually recover.
  2. Q: Can I transfer the credit limit from the canceled card to my remaining card?
    A: In most cases, it is not possible to transfer the credit limit from one card to another. However, you may consider requesting a credit limit increase on your remaining card after canceling the extra one.
  3. Q: Are there any fees associated with canceling an extra card?
    A: Typically, there are no fees for canceling a credit card. However, it’s always important to read the terms and conditions of your card agreement or check with the issuer to ensure there are no unexpected charges.
  4. Q: Should I cancel the card even if I have a zero balance?
    A: Yes, it is still advisable to cancel the card even if you have a zero balance. This prevents any potential fraudulent activity on the card and eliminates the risk of future fees or charges.
  5. Q: Can I cancel the extra card online?
    A: Some banks may offer the option to cancel a card online, while others may require you to call their customer service. Check with your card issuer for their specific cancellation procedures.


Canceling an extra credit card is a simple and necessary step to maintain control over your finances. By following the steps outlined above and staying aware of any potential fees or impacts on your credit score, you can successfully cancel the extra card and streamline your financial life. Remember to always verify the cancellation with the issuing bank and securely dispose of the card to protect your personal information.

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