Many a times, cardholders realise that maintaining a credit card is not an easy affair. Also, there are times when they don't even use a credit card because they get quite used to making payments using their debit card or cash. At some instances, the cardholders also want to move on to using a card that suits their financial needs better. In such situations, the cardholders are advised to cancel or close the card that they do not wish to use any more.
HDFC has an appropriate procedure in place when it comes to cancellation or deactivation of a credit card. After a request is raised by the cardholder, it takes 7-10 working days for the bank to terminate a credit card. A cardholder can cancel an HDFC credit card following some simple procedures. Listed below are the ways to go about it.
How To Cancel Or Close An HDFC Credit Card?
HDFC credit cardholders can close or cancel their credit cards using the methods listed below:
By calling Helpline Number: HDFC Bank credit card holders can cancel their credit cards any time by calling the toll-free number 61606161/6160616. Your area code must be added before the mentioned number to get connected with your city’s customer care.
Carholders can download the Credit Card Closure Form from www.hdfcbank.com and fill it up. After filling it up, they can send it to the Manager, HDFC Bank Credit Cards, PO Box 8654, Thiruvanmiyur, Chennai-600041. Alternatively, they can write to the manager of the corporate office at the same address. Cardholders are required to mention important details like their card number, name, address, and contact details. However, they should not divulge confidential details like the card’s CVV number and PIN.
Once the process of cancellation is initiated, the cardholder should cut the concerned credit card diagonally. They should also be aware of the fact that once they cancel or close the primary credit card, the add-on credit cards that have been procured will get terminated automatically.
Things To Remember Before Cancelling Or Closing An HDFC Credit Card
While it is perfectly normal for a cardholder to initiate a process to deactivate or cancel their HDFC credit card whenever they want to, there are a few things that they should check before going forward with the process. Listed below is a checklist of things that the cardholder needs to go through before initiating a credit card cancellation process with HDFC:
Payment of Dues: Before cancelling a credit card, the cardholders has to make sure that all the outstanding balance or EMIs on that credit card has been paid. If they initiate the process of cancellation without paying the outstanding balance or settling the EMIs, the bank will notify them via a call or an email on their registered phone number or email id, respectively. Once the bank finds out that the cardholder is yet to settle his dues on the credit card that they want to close or cancel, they will not go forward with the process. According to the terms and conditions laid by HDFC, it is mandatory for the cardholder to clear the outstanding amount before raising a cancellation or closure request with the bank.
Redemption of Reward Points: Before raising a request for cancellation of a credit card, the cardholders are advised to check the number of unredeemed reward points. They can use these points to bag attractive products from the bank’s rewards catalogue. They can also use these points to bag handsome discounts on other products and services.
Should not use the credit card just before cancellation: If the cardholder uses the credit card that they wish to cancel just before closing it, the bank will not take the process forward. Fresh dues on credit cards that are lined up for cancellation lead to termination of the process. The bank will go ahead with the process only once the fresh dues are paid off.
Check latest statement for fraudulent use: Before cancelling their credit card, cardholders should thoroughly check their last credit card statement to make sure that no fraudulent transaction has been made on their card. They must also destroy the card by cutting it diagonally once the card has been terminated by the bank following their request.
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Does A Cancelled Or Closed Credit Card Affect The Cardholder’s Cibil Score?
A cancelled or closed credit card will only affect a cardholder’s CIBIL score if they own more than a single card and use them all. In such a scenario, cancelling a credit card would mean reduction of their credit limit and an increase in the credit utilization ratio. Hence, it can have a negative impact on the cardholder’s CIBIL score. However, since credit cards can be used to build a credit score from scratch, cancelling it might not be a great idea if the cardholder has no other means to build a CIBIL score.
How To Reactivate A Closed Or Cancelled HDFC Credit Card?
Applicants can download the application form for reactivation of closed credit card account from the website, www.hdfcbank.com. Once they fill it up, they can send it to HDFC Bank Cards Division, PO Box 8654, Thiruvanmiyur, Chennai-600041. Once all the necessary documentation and verification is done, the cancelled card will be reactivated by the bank.
Check How to Close or Cancel Other Banks Credit Card Online
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I have been using HDFC bank credit card for past 3 years, which was pre approved card. I have a credit limit of Rs.45K and it get enhanced on time as per the usage. It is a life time free credit card. I have received the cash back for booking movie tickets by online.
I am not getting any best offer in my HDFC credit card. I am using this card for more than 4 to 5 years. Credit limit is more than 3.5L. The rate of interest is 3.5% per month. It is life time free credit card. I have not faced any issue this card till now.
I am using HDFC BANK credit card for past 6 months. I have a credit limit of 50K, which is sufficient. I get good cash back and some benefits in shopping and travel. EMI conversion options are not available for outstanding amount. It is life time free credit card.
I am holding HDFC bank credit card for more than 2 months. I had done first bill payment on time without any issue. It is a life time free card and the credit limit is sufficient. EMI conversion is not avail in this card. I use for travel and fuel purposes. It is money back card.
I am using HDFC BANK credit card for past 6 months. I get discounts for online shopping and if I buy 1 movie ticket and get 1 free ticket in book my show. The annual charges is RS.750, which is okay. I have converted the rewards points into vouchers, but the code as been expired. I have already raised the complaint, but issue is not resolved yet. Basically the interest rate is very high. Billing date cannot be changes by online as per requirement and its hard to connect with customer support executive.
I have been using HDFC bank credit card for more than a year. I am happy with their service. The credit limit is moderate of 60K. It is annual fee chargeable of 500 rupees but if I spend 75K for first year it will be waiver off and from second years onwards need to spend of 1L. I have not opted for EMI conversion. I use for shopping, travel and fuel purpose. I get offers promotions and benefits of cash back and reward points.
I am holding credit card with HDFC bank because I am holding my salary account from the same bank. Got this card almost 1.5 years back. They are not providing any offers to the customer but previously i got good benefits like discounts and cash back. They have increased my credit card limit twice so far from Rs. 25,000 to Rs. 37,000 once and on second time its from Rs. 37000 to Rs.45000.
I am using HDFC Money back credit card more than 1 year, This is a life time free card and also credit limit is really good. Customer support and responsiveness was very good and also i am happy with the interest rate for the card compare to other bank this is good.
I am using HDFC titanium credit card quite for a long time. The customer service was good and also I am getting reward points. Buy 1 get 1 free movie ticket offer and 1000 worth of amazon voucher and one more gift voucher 1,800 rupees for that I have purchased 1 pair of shoes.
I got the credit card from HDFC bank since it was a pre- approved offer. Their service is good. They have given a limit of Rs. 30,000 even though I'm using the card for last 3 years so far they have done the limit enhancement only once. They are giving lots of cash back offers but I'm not using the same.
I got a call from HDFC bank agent and they have processed my card request and it was very helpful for converting my purchase into EMI. I was not able to generate the pin number immediately and it took almost 2 days. I highly recommend this card. Since my loan is running with this bank. So I have chosen the same bank. If i do any bill payment from this card, they are giving 5% cash back.
HDFC people has given me a good services and good offers i have selected this card. There is no extra charge deducted and its a life time free credit card. If the payment is on due, i will getting a alert messages and calls. More than 1.5 years, i'm using the credit card from HDFC. Since i didn't use the card for a long time, they were blocked my credit card.
I am using HDFC bank Platinum credit card for more than 3 years. There is no annual fee chargeable. The credit limit of 37K which is low and not yet enhanced from their end. Their service is good. Initial they have offered 50K of limit since I had misused it so they detected to 37K. EMI conversion is not avail . I use for business purpose.
I am using HDFC money back platinum credit card more than 5 years. Annual charges, if i spend Rs. 50k in a year no need to pay annual charges. Mostly i use this card for shopping, petrol and medical purpose and also i can convert reward points into cash, but still i have not done. Credit limit is good and also customer service was good.
I am using HDFC BANK credit card for more than 3 years. I will get notification regarding offer, I am not interest to avail it. I have a credit limit of 20K, limit enhancement is not done yet. EMI conversion options are available and can do only for single transaction.
HDFC bank has provided a life time free card. I am holding for less than a year. The credit limit is okay, offered of 1L but I can use only 94K. I had applied a card through other channel. The agent has told I will get either Titanium or Platinum card with life time free but I received Money Back card. I use for online purchase, bill payment and fuel.
I have been using HDFC bank credit card for more than 5 years. I got an offer directly from bank. The credit limit is good and there is no annual fee chargeable. The best which I felt in this card is their service. I use this card for all purposes. EMI conversion is nominal. I get offer for movie ticket in book my show on monthly basis. Based on the usage I get good benefit of reward points.
Got a discounts and cashback on a purchase of household items from my HDFC credit card. Its about Rs. 50000, i have received as a credit limit. I need to pay the annual fee of Rs. 1500. I don't face any issue on this card. This is a moneyback credit card. I can convert the cashback into cash.
I had a issues in paying the online payment for my HDFC credit card. They are not allowing me to make the payment through my CITI bank debit card but they are asking me to pay through third party app. I had a issue in changing my address they asked me to update my Aadhar card, they took it for kyc but they are not updating my credit card profile even though i have given my signature proof as well.
I am using HDFC titanium times credit card for past 4 to 5 years. I get Movies tickets like buy 1 get 1 offer in SPI cinemas. I have a credit limit of 75K, which is sufficient. Emi conversion options are available at the normal interest rate. I do have a personal banker has I am a customer for many years. Customer support provide instant response and the issue get resolved on time.