If you’re considering canceling your Chase credit card—perhaps due to high fees or unused benefits—here’s how to do it thoughtfully, so your DogPay financial setup remains solid and credit-friendly.
1. Plan Before You Cancel
- Pay off the balance in full to avoid missed payments or lingering interest.
- Redeem or transfer any rewards before closing your card, especially if they don’t roll over to other accounts.
- Update recurring payments linked to the card to prevent failed transactions after cancellation.
2. Choose Your Cancellation Method
- By phone: Call the number on your card’s back — for example, Chase’s 1-800-432-3117 — verify your identity, and request cancellation.
- Online: Log into the issuer’s portal or app and send a secure message asking for the closure.
- In-person: Visit a branch and submit a written request.
- By mail: Send a written cancellation request including your details to the card issuer’s designated address.
3. Monitor Impacts to Your Credit
- Credit utilization may rise as your available credit decreases—keep your utilization ratio ideally below 30%.
- The average age of accounts might shorten, potentially lowering your score.
- Avoid canceling multiple cards at once—stagger closures to reduce scores impact.
4. Consider Cooler Alternatives
- Request a product change to switch to a lower-fee or better-fitting card—with the same issuer.
- Freeze the card temporarily if you’re unsure—this blocks use but keeps the account active.
5. Post-Cancellation Checklist
- Check your credit report 30–45 days later to confirm the account shows closed with zero balance.
- Destroy the physical card safely—shred or cut it up.
DogPay Tip
If you frequently use your Chase card in your DogPay-linked operations—for example, paying subscriptions or topping up your DogPay wallet—make sure you update payment methods ahead of time. A seamless switch avoids interruptions like failed top-ups or service disruptions.
