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How do you cancel the card? Is it through the app or do you have to call or use the chat?
Also do you need to clear the balance before they will cancel or is it like Amex where you can clear the balance on the current statement date?
Im afraid its either cancel via post or dreaded telephone call
I also tried downgrading via the app, there is no option for me as the message says you do not have any offers (to either upgrade or downgrade to)
I called to cancel my Hilton card yesterday. There was an auromated option on the call to do this which I used as I wasn’t interested in any potential incentive from a CSA to keep the card. It was simple and painless so far but I’ll reserve judgement on whether it works until I receive the promised written confirmation within next 14 days.
I called to cancel my Hilton card yesterday. There was an auromated option on the call to do this which I used as I wasn’t interested in any potential incentive from a CSA to keep the card. It was simple and painless so far but I’ll reserve judgement on whether it works until I receive the promised written confirmation within next 14 days.
Nice to know thanks, im looking to cancel my hilton too, so i can have a 6m gap between the next avios plus
That was also my motivation after receiving July points yesterday. Note that when using the automated cancellation option they make it sound like they are transferring you to a CSA but they don’t so stick with it until the machine kicks in again and completes the process.
It doesn’t sound like you have to clear the balance before starting the closing process? I’m sure VA credit card wouldn’t start process until the balance was zero.
@Molly, the recorded message instrucrs us to destroy the card and continue to settle bills by card or direct debit as usual. Thus, I don’t think it’s necessary but I did pay off my balance before closing.
I have just cancelled this morning via the chat in the app. It only took a couple of minutes and I was not required, or asked, to clear the balance at the time of cancellation.
Good luck cancelling. I went through automated cancellation system end May, and it wasn’t cancelled.
Spoke with CS on 2 separate occasions after (June/July), to cancel. Even had the letter ‘your account is closed), only for account to ‘bounce back’ live!
Had to raise complaint to get it done properly – which seems to finally be the case now.p.s. card status showing in the app doesn’t reflect the online status – was told it can lag for up to 30 days.
I don’t know if it has changed, but do watch out for any recurring payments being associated to the card. E.g. Annual subscriptions.
Amex will bounce the payment but (at least previously) Barclaycard however immediately reopen the account and pay out. A friend (who had since moved) went to apply for a mortgage only to be refused. Turns out his credit rating took a hammering as he had failed to clear a balance on a Barclaycard he had long since cancelled and wasn’t aware had been reinstated after The AA applied a charge. It took him months to get the records expunged from his rating and he lost out on the house he was buying.
This is a fair few years ago, but something to be aware of at least.
Thanks to both for heads up on cancellation pitfalls.
I don’t know if it has changed, but do watch out for any recurring payments being associated to the card. E.g. Annual subscriptions.
Amex will bounce the payment but (at least previously) Barclaycard however immediately reopen the account and pay out. A friend (who had since moved) went to apply for a mortgage only to be refused. Turns out his credit rating took a hammering as he had failed to clear a balance on a Barclaycard he had long since cancelled and wasn’t aware had been reinstated after The AA applied a charge. It took him months to get the records expunged from his rating and he lost out on the house he was buying.
This is a fair few years ago, but something to be aware of at least.
Highly doubt a cancelled card paid out. No point of cancelling then?
Most likely your friend thought he cancelled it, but it was still live. The habit of leaving cards in sock drawers and forgetting them comes back to bite us later.
Always best to check the credit profile a month or two later and review which cards are live and the credit limits.Nope, it was definitely cancelled and with the recurring charge, they reinstated it. That is how their system handled it and how he was able to get his credit file cleared.
When I cancelled via the chat this morning one of the bullets sent to me to confirm included the fact that cancelling the card “may not” cancel subscriptions and that I would have to contact the companies directly. The two that Barclays gave as an example were Sky and the AA.
When is a cancelled card not a cancelled card? It seems when it is a Barclaycard.
All the more reason I am I glad I took the Avios and ran.
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