Sep 19, 2010 If I empty my savings account into my checking account online, will this effectively close my account? With the minimum balance of $300, they basically have that money taken hostage while I have an account with them. If I take some of it out (which I need to do), the account will needlessly bleed from the service charge. If I just empty it, will they consider it closed, or do I need to contact.
A step-by-step guide in 6 screenshots.
Looking to cancel a Chase credit card? If you’ve brought your balance to $0 and you no longer need your card, it should be easy. Most credit card companies however, Chase included, prefer you call the number on the back of your card and let a representative talk you out of your decision.
Fortunately you can cancel your card online through Chase’s Secure Message Center. This guide will walk you through those steps. (Make sure to review our guide to cancelling your credit card before making the plunge.)
Note
The steps below were done for the Chase Freedom®, an unused card I’ve had since college. The same steps should apply when canceling any Chase credit card.
1. Log in to your account and from your account dashboard, select the “hamburger” menu icon in the top left. Select “Secure Messages.”
2. You’ll see a rather outdated window appear.
3. At the time of this writing Chase has not updated their Secure Message Center to match the user dashboard. They plan to update it soon, as noted by a message at the top of the window:
4. Confirm the email Chase has on file is correct, otherwise you won’t be notified when they respond to your message.
5. Select “Compose Message.” Then under the “Credit Card” section of “My Personal Account,” select “Other/Not Listed” from the dropdown menu.
6. Select the card you’d like to cancel from the Account Number dropdown menu.
7. Write a brief message about why you’d like to cancel your card. Saying you no longer have use for it should be enough and explain that it has a $0 balance.
8. Click “Send” and you’re off to the races!
Canceling Your Chase Credit Card with Secure Message Center without screenshots:
- Login to your online account so that you are on your Chase dashboard.
- Avoid the “Things you can do” dropdown.
- Select the hamburger menu icon in the top left and click “Secure Messages.”
- An outdated window will appear.
- Confirm the email Chase has on file is correct, otherwise you won’t be notified when they respond to your message
- Select “Compose Message.” Then under the “Credit Card” section of “My Personal Account,” select “Other/Not Listed” from the dropdown menu.
- Select the card you’d like to cancel from the Account Number dropdown menu.
- Write a brief message about why you’d like to cancel your card. Saying you no longer have use for it should be enough and explain that it has a $0 balance.
- Click “Send”!
What happens next?
I received a message in the Secure Message Center window within 15 minutes or so noting:
- My message was received.
- They’ll respond to my message within 24 hours.
- They’ll send me an email letting me know the message is available on the Secure Message Center, where I’ll need to log in again to read it.
The next morning (within 11 hours, to be exact) I received another message from Chase. I logged into the Secure Message Center and it read: “I’m sorry to learn that you have chosen to close your account. I’ve closed your account ending in xxxx as you requested.” That’s it!
As of now this is the easiest way to cancel your Chase credit card online without calling a representative. Chase claims they’ll respond to your inquiry in one business day. For me it was even quicker than expected. All things considered, a business day isn’t so bad when the alternative is being a prisoner of elevator music, stuck on hold forever, or being strong-armed by a rep into keeping your card.
Need a new card or just a better alternative?
Looking for a new card?
You might be canceling your Chase credit card because you’re looking for a card with more rewards or no annual fee. If you want a card that better meets your needs, the chart below can help you compare the most popular cards on the market. Try clicking the Compare buttons, as it allows you to see a more in-depth comparison of up to four cards.
Should I get a credit card from my bank or a different one?
Should I get a credit card from my bank or a different one?
Posted by4 years ago
Archived
So I have a Chase liquid debit account and I went to the ATM to deposit my FAFSA check on Sept 13th.
I was only given around $300 of my $1067 deposit which was no big deal since I would be getting the rest of my money on that Wednesday. Well unknown to me my account was frozen on the 15th and my card was shut off on the 16th. (I found out when my card was rejected at the car wash.)
So I called the bank and they told me that my account was placed on 'Restriction' and it will be closed after all my debits and checks were cleared. I asked why and the rep told me, 'That the bank chose to end my relationship with them and closed my account'.
I asked for a reason and I got none.
I asked to speak with a supervisor, I got the same break up speech.
I was transferred to Loss prevention for 'further assistance'.
Loss prevention told me that Chase does NOT have to give me a reason for closing my account. That they can exercise their right to close my account at anytime.
There is, or was some good news in all this. After my account closes I would be mailed a check in the amount of $960.19 (That's the amount I had leftover after everything cleared) and I was supposed to have it today. However. when I checked the mail there was no check. I'm going to call them in a bit to get my damn money.
Has this happened to anyone else? Or am I the only one that was broken up with?
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