✂️ How to Close a Credit Card the Right Way
Ready to break up with your credit card for good? Here’s how to do it the smart (and final) way:
🔪 1. Cut it up
Literally. Destroy the card so you're not tempted to use it again. From now on, use cash or your debit card—and only for things you can afford.
💳 2. Pay off the full balance
You can’t close the account until your balance is paid in full. Get that number to zero first.
📞 3. Call the credit card company
Tell them you want to close the account and cease all activity so no additional charges go through.
📬 4. Get confirmation in writing
Here’s the most important part: Get it in writing.
No matter what you do, you want written confirmation from the credit card company that your account is officially closed. You need to see the evidence!
🎉 5. Never look back
Congratulations! While others are keeping old accounts open to “save” their credit score, you’ve taken a huge, intentional step toward being debt-free for good.