Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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i have 3 credit cards that have nothing on them and i don't use them (1 natwest, 2 halifax).
how do i go about closing them properly?
reason for this is so i can take advantage of the balance transfer/purchase offers next time i need them.
is it simply a case of writing a letter telling them my intentions? if so, where would one find the address? not sure i have any statements or letters from them as these cards are from a while back.
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Xs
Member
Registered: 12th Apr 02
Location: Lanarkshire
User status: Offline
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Call up the card issuer and they will take your details etc and get into your account. Guessing then it would just be a case of asking them to cancel the card.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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i was hoping to avoid using phones if possible. i hate waiting 30 minutes in a queue.
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Sam
Moderator
Premium Member
Registered: 24th Dec 99
Location: West Midlands
User status: Offline
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Yeah you'd have to phone or write to them I imagine. If you have the T&Cs when you got the cards it should tell you in there.
I'd keep at least one of them though TBH, buy stuff on it each month and clear the balance as it helps with credit scores and that.
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Twiggy
Member
Registered: 15th Oct 04
User status: Offline
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Just send them a letter
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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does no one read anything nowadays? i dont have a bank statement or any paperwork from them.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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found this address buried within the halifax website:
Halifax Credit Cards are issued by Bank of Scotland plc, Registered in Scotland No.SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised and Regulated by the Financial Services Authority.
would this be the address i need to write to in order to close my 2 halifax credit cards?
[Edited on 02-03-2012 by Ben G]
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Marc
Member
Registered: 11th Aug 02
Location: York
User status: Offline
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I have a HSBC one that I haven't used in 10 years, has 18p credit on it. 
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Toby
Premium Member
Registered: 29th Nov 05
User status: Offline
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just ring them, far easier
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Graham88
Member
Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
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Just ring them mate it takes minutes, and you get live confirmation that it's cancelled
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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i might have to.
although i hate it when you phone to cancel and they try and sell you something else, i usually get rather annoyed 
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ed
Member
Registered: 10th Sep 03
User status: Offline
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Do you have an online thing with them? I cancelled my Egg card online a while back - granted it was just a matter of sending them a message through their control panel.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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yeah i do all my banking with halifax online, might send them a message then, cheers
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Graham88
Member
Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
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quote:
Originally posted by Ben G
i might have to.
although i hate it when you phone to cancel and they try and sell you something else, i usually get rather annoyed
Very true point, or the more annoying on recently was I took a 123 cash back card out from Santander and about a month later I got a phonecall asking if I was interested in getting one, and they woke me up in the process, I was angry.
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Fro
Member
Registered: 20th Jun 06
Location: Rainham, Essex Drives: A3 2.0TDi Sport
User status: Offline
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quote:
Originally posted by Ben G
found this address buried within the halifax website:
Halifax Credit Cards are issued by Bank of Scotland plc, Registered in Scotland No.SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised and Regulated by the Financial Services Authority.
would this be the address i need to write to in order to close my 2 halifax credit cards?
[Edited on 02-03-2012 by Ben G]
Don't send them here, it is their head office for BoS and they are unlikely to be the ones to deal with credit cards etc Increases the chance of them going missing.
Tried to find a better address but we have over 100 accounts (each is a different address) for them.
[Edited on 05-03-2012 by Fro]
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willay
Moderator
Organiser: South East, National Events
Premium Member
Registered: 10th Nov 02
Location: Roydon, Essex
User status: Offline
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Ben G are you like one of them girls who can't even organise a taxi or order a takeaway because you don't like speaking to people on the phone? Just fucking call them.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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yes mate, hate talking on the phone, its weird
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AlunJ
Member
Registered: 3rd Apr 07
Location: Newport
User status: Offline
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I'm one of those people as well  must be a genuine phobia
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pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline
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Pick up the phone and speak to the cancellations dept, it takes 2 minutes. Can't believe this needs a thread.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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sorry mr confident
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Kippers
Member
Registered: 27th Dec 10
Location: By the sea, Kent Drives: A nee naw
User status: Offline
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I phoned up and cancelled about 5 cards last month.
One had like 8 quid on it from back in 2006!
The woman asked why im cancelling.... haha i laughed and said i havent used it in about 6 years!
Very easy to cancel and you get a letter in a few days.
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