topic Re: Cancelling Chase cards through secure message? in Credit Cards

Cancelling Chase cards through secure message?

jasonkm1 — Sat, 19 Dec 2015 22:43:54 GMT

Have you guys been able to cancel cards through a secure message or internet chat? I know was able to close my Capital One via chat but was wondering about Chase cards. I've been rethinking my finances and got a little carried away with collecting travel points and would like to cancel some cards without any ackwardness of having to talk to a live operator.

Re: Cancelling Chase cards through secure message?

msbia — Sat, 19 Dec 2015 22:50:32 GMT

Hi there, I've never cancelled through SM and I cancelled four Chase cards this year. Did you not want to keep the limits and move them to an active card? If so, you will have to speak to lending. Personally I feel better talking to a live person and knowing the task has been completed at the end of the call. None of the Chase reps made me feel awkward. I cancelled two Amex cards through chat last month too. Good luck and I know the feeling of getting carried away lol.

Re: Cancelling Chase cards through secure message?

amakol — Sat, 19 Dec 2015 22:59:36 GMT

Just call. The CSR will forget / never care about your call as soon as the call/shift's over and it'll build your confidence for later.

As for the actual question - would doubt SM would work. They usually need to read you some terms and have you confirm, which is why chat and its 2-way dialogue is fine. Unless they have you SM them back, which might be the case. It's complicated considering a 1 minute call.

Re: Cancelling Chase cards through secure message?

Anonymous — Sat, 19 Dec 2015 23:29:08 GMT

Usually they will just ask why. Tell them you are not going to use the card or something like that and they will close it out. Move your limit to another open card if you want. The call isn't that bad.

Re: Cancelling Chase cards through secure message?

jasonkm1 — Sun, 20 Dec 2015 03:04:20 GMT

thanks guys, yeah i guess calling wouldn't be so bad. And in my case I won't be asking to move my limits to an open card, I have too much available credit for my income and I worry it will have some kind of negative impact if I need to get a loan or something in the future.

Re: Cancelling Chase cards through secure message?

Jansroom726 — Sun, 20 Dec 2015 04:59:09 GMT

I have cancelled 3 previous chase cards all through SM no problem.

Re: Cancelling Chase cards through secure message?

Creditaddict — Sun, 20 Dec 2015 16:12:49 GMT

make sure you consolidate to other chase cards you are going to keep if you have one!

Re: Cancelling Chase cards through secure message?

Anonymous — Sun, 20 Dec 2015 16:43:08 GMT

You can definitely move limits and close cards via Chase SM.

Re: Cancelling Chase cards through secure message?

Anonymous — Sun, 20 Dec 2015 18:30:34 GMT

You can but as someone suggested, consolidate and call them. The call should not be longer than 5 minutes.

Re: Cancelling Chase cards through secure message?

Anonymous — Sun, 20 Dec 2015 18:40:20 GMT

@Anonymous wrote:
You can but as someone suggested, consolidate and call them. The call should not be longer than 5 minutes.

Right, but OP wants to reduce exposure so no plan to consolidate.

In general, the major downside to closing via SM is that you don't (usually) get the chance for a retention offer, but if that is of no interest, closing via SM is fine.

But,as others have said, usually not a big deal to talk, the CSRs really don't care and certainly don't judge!

Re: Cancelling Chase cards through secure message?

woodyman100 — Sun, 20 Dec 2015 23:52:40 GMT

I have combined a limit and cancelled a card through SM, but it took several days. Call in and be done in 10 mins

Re: Cancelling Chase cards through secure message?

Anonymous — Sun, 20 Dec 2015 22:28:25 GMT

Last time I tried secure message with Chase it took 9 days to get a response that didnt address my concern at all. You can cancel using this method but its far easier to call and doesnt hurt. Just canceled two cards at once, the rep simply asked why to note a reason and that was it.