Credit cards have become common in both villages and cities. People are using them a lot. The more you shop and spend using a credit card, the more cashback and reward points you earn. However, sometimes, credit cards can become a problem for some people. In such cases, deactivating them is the best decision.

Many people get credit cards just to show off but struggle to manage them properly. This often leads to problems later. Some people take credit cards from multiple banks and then find it difficult to manage them all.

Credit Card Use Has Become Common

Credit cards are now widely used in both villages and cities. People use them frequently, earning cashback and reward points with every purchase. However, for some, managing credit cards becomes difficult. In such cases, deactivating them is the best option.

Credit Card Can Lead to Debt

Many people struggle to pay their credit card bills, leading them into debt. If you find it hard to manage your credit card, consider deactivating it.

How to Deactivate a Credit Card

If you no longer want to use your credit card, here are a few simple ways to deactivate it.

1. Call Customer Care

You can deactivate your credit card by calling the customer care number of your bank. Provide the required details, and the bank will process your request. Once the card is deactivated, you will receive a confirmation via SMS or email.

2. Send an Email

Another way to close your credit card is by emailing your bank. Mention your name and credit card details in the mail. The official email ID can be found on the bank’s website.

3. Online Deactivation

Visit your bank’s official website and fill out the required form to deactivate your credit card. This process is simple and can be done from anywhere.

4. Submit a Written Request to the Bank

You can also visit your bank branch and submit a written request to close your credit card. In the application, mention the reason for deactivation. If needed, you can also send the request by post.

Bank Verification Before Deactivation

Once the bank receives your deactivation request, it will contact you for confirmation. The bank will check if there are any pending dues or loans linked to the card before finalizing the closure.