How To Cancel Amazon Credit Card – Complete Guide

The Amazon Credit Card offers remarkable convenience for frequent Amazon shoppers. Cardholders gain access to a variety of exclusive deals and benefits, including cashback on purchases and rewards.

Notably, there are no annual fees, and interest-free periods are available after reaching a certain spending threshold, making it particularly attractive to regular shoppers.

If you find the card no longer beneficial or have a better alternative based on your spending habits, it may be wise to cancel your Amazon Credit Card. It’s essential to weigh the pros and cons of keeping the card to determine if it truly serves your needs or if it’s an unnecessary financial commitment. Ensuring the card offers more benefits than drawbacks is crucial before deciding to keep or cancel it.

Canceling the Amazon Credit Card is a straightforward process, typically handled by contacting the issuer’s customer service, often Synchrony Bank. You can either call the customer service line or speak with a representative from the Amazon Credit Card’s Customer Service department to express your desire to cancel the card. They will guide you through the cancellation process with the necessary assistance.

It’s important to note that closing a credit card can slightly impact your credit score, especially if the account is older. Before closing the card, settle any outstanding balance and redeem any accumulated rewards or cashback. Even without the card, you can continue shopping on Amazon without the exclusive benefits associated with it.

How Can I Cancel Amazon Credit Card?

Canceling your Amazon Credit Card can be done easily by either speaking with a customer service representative over the phone or following online steps. Depending on your preference, there are a few options available to facilitate the process. Below is a detailed guide to assist you in canceling the card as smoothly as possible.

Step-by-Step Guide to Canceling Amazon Credit Card

1. Contact Customer Support: Dial the customer service number of the bank that issued your card, such as Synchrony Bank or Chase. For those with an Amazon Credit Card from Chase, the direct customer service number is (800) 945-2000. Before calling, have your credit card and personal identification ready to confirm your identity when asked.
2. Express Your Intent to Cancel: Once connected to a customer service representative, state your intention to cancel the Amazon Credit Card. They may inquire about your reasons for cancellation, though providing a reason is optional. Stay polite yet firm in your request to close the account.
3. Verification Process: The representative will require certain details like your name and address for verification purposes. Ensure you have this information handy to expedite the process. They might also ask about your card balance or any outstanding payments.
4. Canceling the Card: After verifying your details, the representative will proceed with the cancellation. If there’s a pending balance, you must settle it before the request is fully processed. The card will be canceled following successful verification.
5. Confirmation: Confirm the cancellation with your issuer and obtain written proof or an email for your records. This serves as evidence of the cancellation request and completion. Ensure no further charges are made on the card.

Advantages of Phone Cancellation

1. Immediate confirmation of issues and cancellation from the customer care representative.
2. Opportunity to clarify queries during the cancellation process.
3. Personalized assistance from customer care teams regarding fees, refunds, or alternative options.
4. Assurance of immediate cancellation, allowing peace of mind.
5. Convenience of speaking with a representative over the phone, which may be more comfortable than online methods.

Disadvantages of Phone Cancellation

1. Potentially long hold times, leading to frustration and time consumption.
2. Limited availability of phone support, which can be inconvenient outside business hours.
3. Risk of miscommunication or misunderstanding over the phone, possibly delaying the process.
4. Lack of written record unlike email or online cancellations, which can be problematic in disputes.
5. Possible persuasion by representatives to retain the card or consider alternative plans, complicating the cancellation process.

How to Cancel via the Secure Message Center

If you prefer not to contact customer service directly, you can cancel your Amazon Credit Card through the Secure Message Center online. This method suits those more comfortable with online communication than phone calls.

1. Log into Your Chase Account: Access your Chase account online, or create one for your Amazon Credit Card if necessary. Once logged in, navigate to the accounts dashboard.
2. Access Secure Messaging: Click on the Accounts page to reveal a side menu. Use the “hamburger menu” (three-line icon) to select the Secure Messages option.
3. Compose a Message: Create a new message in the Secure Message Center, stating your intent to cancel the Amazon Credit Card. Include any additional information to expedite the process.
4. Receive Confirmation: After sending your message, check your Inbox in the Secure Message Center for replies. The customer service team should confirm the cancellation or provide next steps.

What About Outstanding Balances?

Ensure all outstanding balances are settled before canceling the card, as cancellations cannot proceed with pending amounts. If unsure about any outstanding balance, customer service can provide this information during the cancellation process.

Rewards and Cashback

It’s crucial to manage any rewards or cashback earned before canceling the card, as they are typically forfeited upon cancellation. Redeem or transfer rewards before submitting the cancellation request.

Pros of Online Cancellation

1. Flexibility to initiate cancellation at any time without adhering to customer service hours.
2. Written documentation of requests and responses from the card issuer for dispute resolution.
3. Avoidance of phone wait times by using the online system.
4. Direct access to the Secure Message Center through your account.
5. Enhanced security by communicating through a secure portal without sharing personal details over the phone.

Cons of Online Cancellation

1. Potential delays due to the asynchronous nature of messaging.
2. Lack of immediate clarification, potentially lengthening the process compared to direct phone conversations.
3. Longer wait for confirmation of cancellation compared to phone methods.
4. Navigation challenges for users unfamiliar with the platform.
5. Limited scope for personalized advice compared to speaking with a representative.

Cancel Amazon Store Card

Canceling an Amazon Store Card differs from the Amazon Credit Card process due to its independent management. Directly contact the Amazon Store Card Support team at (866) 634-8379 for assistance. Provide personal details and card information for verification during the cancellation request.

The representative will guide you through the process, ensuring all instructions are followed and confirming cancellation. Check for outstanding balances or reward points, which must be cleared before closing the card. Once these steps are completed, your Amazon Store Card will be successfully canceled.

Final Words

Amazon offers two options for shoppers: the Amazon Credit Card and the Amazon Store Card. Both cards provide rewards, discounts, and exclusive offers that enhance the shopping experience. However, if you find the card unnecessary, you can easily cancel it by following the outlined steps. Determining your needs is crucial before deciding to cancel, whether for financial simplification or removing unused cards.

To cancel, follow the provided steps or contact Customer Support for guidance. They will ensure all necessary actions, including settling outstanding balances, are completed. Feel free to reach out for clarification if you have any questions about the process. While these cards offer value, having the option to cancel provides control over your financial decisions.

Frequently Asked Questions

Will Cancelling My Amazon Credit Card Affect My Credit Score?

Yes, closing the Amazon Credit Card can affect your credit score. It may impact your credit history length and utilization ratio, especially if it’s an older account or has a large credit limit. Consider how closing the card might influence your credit score when making a decision.

Is there an inactivity fee when I close my Amazon Store Card?

There are no cancellation fees for closing your Amazon Store Card. Ensure all outstanding amounts are cleared before canceling, as unpaid balances may incur charges post-closure.

How to contact the Amazon Credit Card customer support team?

Contact the Amazon Credit Card customer support team at 800 945-2000 or 1-800-432-3117. For Amazon Store Card assistance, reach out at 1-866-634-8379.

Is it possible to cancel your Amazon Credit Card Online?

No, you cannot cancel the Amazon Credit Card online. To cancel, contact the Amazon customer care team or use the Secure Message Center as described in the article.