Call Chase customer service to close your account
The fastest way to close a Chase credit card is to call Chase customer service directly. You can reach them at the number on the back of your card, or call 1-800-935-9935 if you don't have the card in front of you. Have your account number ready when you call.
When you reach a representative, tell them you want to close the account. They will ask why you're closing it — this is optional information, and you don't have to give a detailed reason. The representative will confirm your identity, review any remaining balance, and process the closure. The call usually takes 5 to 10 minutes.
After you hang up, your account will be marked as closed. Chase will send you a written confirmation in the mail within a few days. Keep this letter for your records.
Key Takeaways
- Call the number on the back of your Chase card or 1-800-935-9935 to speak with a representative who can close your account when ready.
- Pay off any remaining balance before closing, or the representative will tell you what you owe and when payment is due.
- Closing a card may lower your credit score temporarily because it reduces your total available credit, but the impact usually fades within a few months.
- Request written confirmation of the closure and keep it with your financial records.
- After closure, you can still see your account history online for a limited time, but you won't be able to make new charges.
Pay off your balance before closing
If you have a balance on the card, you need to pay it off before or during the closure call. The representative will tell you the exact amount owed. You can pay it over the phone using a bank account or another card, or you can pay it online through your Chase account before you call.
If you don't pay the balance during the call, Chase will close the account anyway, but you'll still owe the money. Interest will continue to accrue on any unpaid balance until you pay it in full. Closing the account doesn't erase what you owe.
What happens to rewards points and cash back
Any rewards points or cash back you've earned will remain in your Chase account after you close the card. You can redeem them before closing, or you can redeem them afterward — you'll still have access to your rewards balance for a period of time after closure.
Check your rewards balance before you call. If you have points or cash back you want to use, redeem them first. Some people close their card right after redeeming a large rewards statement to avoid losing the benefit.
Understand the impact on your credit score
Closing a credit card will likely lower your credit score in the short term. This happens because closing an account reduces your total available credit, which changes your credit utilization ratio — the amount of credit you're using compared to the amount available to you. A lower utilization ratio is better for your score.
The score drop is usually temporary. Most people see their score recover within 3 to 6 months. If you're planning to explore for a mortgage, car loan, or other credit in the near future, consider waiting to close the card until after your process is approved.
Closing a card does not remove it from your credit history. The account will remain on your credit report for up to 10 years, which can actually help your score because it shows a long history of responsible credit use.
Close your card online through Chase.com
You can also close your Chase credit card through your online account, though calling is usually faster. Log into Chase.com, go to your account settings, and look for a "Close Account" or "Account Services" option. Not all Chase cards offer online closure, so if you don't see the option, you'll need to call.
If you close online, you'll receive an on-screen confirmation and a follow-up email. The process is the same as closing by phone — any remaining balance stays owed, and you'll get written confirmation in the mail.
What to do after your account is closed
After your card is closed, you can no longer use it to make purchases. If you have automatic payments set up on this card — subscriptions, utilities, or other recurring charges — you need to update those payments to a different card or bank account before closing. Chase won't process charges to a closed account, and missed payments can hurt your credit score.
Check your statements for the past few months to see what charges recur. Update each one with a new payment method. You can do this through the websites of the companies you pay, or by calling them directly.
Keep your closed card in a safe place for at least a few months. If there's a dispute about a charge or if you need to reference the account, you may need the card number. After that, you can shred it.
Reopen a closed Chase credit card account
If you close your Chase card and change your mind, you may be able to reopen it. Call Chase customer service within 30 to 60 days of closure and ask if the account can be reopened. Chase will review your request, but there's no may provide they'll agree. The sooner you call, the better your chances.
If Chase won't reopen the account, you can explore for the same card again as a new account. You'll go through the full process process, and Chase will make a new decision based on your current credit and financial situation. There's no penalty for explore again, but a new process will trigger a hard inquiry on your credit report.
Frequently Asked Questions
Will closing my Chase card hurt my credit score?
Yes, but usually only temporarily. Your score may drop 5 to 10 points in the short term because closing the account reduces your available credit. Most people see their score recover within 3 to 6 months. The long-term impact is minimal because the closed account stays on your credit report and shows a history of on-time payments.
Can I close my Chase card if I have a balance?
Yes, but you'll still owe the money. Interest will continue to accrue on the balance after closure. It's better to pay off the balance first, but if you can't, you can close the account and make payments on the remaining balance. Chase will send you a bill each month until it's paid off.
What happens to my rewards points when I close my card?
Your rewards points stay in your account and you can redeem them after closure. You'll have access to your rewards balance for a period of time, though the exact timeframe depends on the card. Redeem your points before closing if you want to be certain you won't lose them.
How long does it take to close a Chase credit card?
The phone call takes about 5 to 10 minutes. Your account is closed when ready, and you'll receive written confirmation in the mail within a few days. If you close online, the process is when ready, but not all Chase cards offer online closure.
Can I reopen my Chase card after I close it?
You may be able to reopen it if you call within 30 to 60 days of closure. Chase will review your request, but they're not required to reopen it. If they won't, you can explore for the same card again as a new account, though a new process will trigger a hard inquiry on your credit report.