Canceling a credit card can be easy..

**Linus** · 03-29-2010, 01:12 PM

At least Amex Canada is. I called in, expecting to get the usual "but.. but.." Instead, I got an automated system that allowed me to cancel the card just like that. I listened to the terms at the end (e.g., I'm still responsible for anything that got charged at the last minute, etc.) but other than that it was a 2 minute call.

I did a final payment on it today and we'll see what is still outstanding once all is said and done. (maybe $2-5?) But I have to admit it went easier than expected. At least I won't be tempted to use it since clearing it completely.

Who knew?

**Greebo** · 03-29-2010, 01:25 PM

We were a little disappointed when we canceled the cards we held. None of the lenders really fought us at all...

So disappointed, I was all geared up for fun phone calls.

**Linus** · 03-29-2010, 01:46 PM

Originally Posted by Greebo

We were a little disappointed when we canceled the cards we held. None of the lenders really fought us at all...

So disappointed, I was all geared up for fun phone calls.

LOL.. sounds like me but I wonder if the difference is between larger lenders (direct to Amex, Visa, MC, Citi, etc.) vs smaller banks/credit unions?

**Greebo** · 03-29-2010, 01:50 PM

We canceled... lets see ... Chase/Amazon, WaMu (formerly Providian), Sears, Penney's, and a Credit Union visa (the only one that had a balance, thus my signature line). None of them put up a fuss...

**bumplett** · 03-29-2010, 01:51 PM

you guys are too funny ~ leave it to the men to get disappointed because something was too easy! ROFLMAO!

happy that you canceled the card! WTG!

**Palooka** · 03-29-2010, 10:03 PM

Congrats on paying off and canceling the card.

Sorry it was so easy.

**craftypam** · 03-30-2010, 12:23 AM

I too think you boys are crazy. I HATE when I call to cancel a credit card and they want me to talk to another person to do so because here comes the pressure to keep it.

**Mom2-3** · 03-30-2010, 11:43 AM

Way to go Linus!!! One down!!

**nodmicks** · 03-31-2010, 09:56 AM

I recently cancelled my citibank platinum card because they wanted to charge me a $60 yearly fee. I have had that card a good 15 years and the limit was very high if we cared to use it ( we didn't)

I was shocked she didn't even remind me of my great 5.99% rate just closed the card! I was prepared for an argument.

**Russ** · 03-31-2010, 10:06 AM

Originally Posted by nodmicks

I recently cancelled my citibank platinum card because they wanted to charge me a $60 yearly fee. I have had that card a good 15 years and the limit was very high if we cared to use it ( we didn't)

I was shocked she didn't even remind me of my great 5.99% rate just closed the card! I was prepared for an argument.

Did you use the card at all? I ask because we have the same card and have not received any notice of a fee.

**nodmicks** · 03-31-2010, 10:11 AM

Originally Posted by Russ

Did you use the card at all? I ask because we have the same card and have not received any notice of a fee.

I used it maybe once in the last year. They sent me a statement which they never do on a 0 balance and I always had online statements. I noticed on the statement a spot that said yearly fee $0. I turned it over and read on the back about the yearly fee so I called. You might want to ask.

Now discover is my only card. Hope we don't travel somewhere that won't take it!