Sometimes it becomes quite urgent to close the credit card immediately. A credit card is a type of convenience in carrying out the financial transaction in modern times, but on a few occasions, we feel not to continue it due to some personal reasons.
HDFC bank provides a different way to close the HDFC credit card. Close HDFC credit card
· Close HDFC credit card online
· Close HDFC credit card temporarily
· Close HDFC credit card permanently
· Pre Close HDFC credit card EMI
· Close HDFC credit card through net banking
· How to Close my HDFC credit card account online
· How to pre Close HDFC credit card instaloan online
· Close HDFC credit card loan
· Close HDFC credit card Jumbo loan
· Close HDFC regalia credit card
· How to Check HDFC credit card close status
· Close HDFC Dinar club credit card
· Close HDFC insta jumbo loan
· Close HDFC credit card smart pay
· How to Close HDFC credit card account India
· HDFC credit card customer care
· Pros and Cons
· Conclusion
· Frequently asked questions
Close HDFC Credit Card
There are different ways to close the HDFC credit card. One can take the help of customer care, submit a form available on the web site or put an online request.
· You can contact the HDFC credit card toll-free helpline number to cancel your credit card. HDFC customer care number is 61606161 or 6160616, you have to apply your town/City STD code before the number.
· When you are contacting customer care; please keep ready your credit card number. Please do not disclose your CVV number or pin in any case.
· Second way to cancel the HDFC credit card is to download the cancellation form available on web site
Send the form by post after filling the required columns.
· The mailing address of hard copy form is – The Manager, HDFC Bank Credit Cards, PO Box 8654, Thiruvanmiyur, Chennai-600041
· The third way is the use of an online banking facility. The customer having a savings account can avail of this facility. You have to log in to your HDFC account and go to the credit card section available on left-hand rows. Deactivate it.
· It is essential that you just cleared all the bills of credit card before proceeding for closure of the HDFC credit card.
· Please check that you have consumed all the credit points earned on the HDFC credit card. Because you will lose all the earned credit points once the card will close out.
Close HDFC credit card temporarily
Temporarily closure or temporary deactivation of HDFC credit card is a smart thought especially for security point of view. If you feel that you are not able to use the card for a little longer period, better to deactivate it temporarily.
There are simple steps you have to adapt to close your HDFC credit card-
· Use your HDFC online banking- Log in to your HDFC online banking portal. Go to the credit card section. Select your displayed card number. Clicks deactivate. HDFC credit will close down. You can activate the card in a similar process on the same web site at any time.
· Use the customer care- For temporary closure of your HDFC credit card, you can contact 24×7 customer care number– (STD code of your town)61606161. The automated call machine will require your credit card number only.
Close HDFC credit card permanently
Closing of HDFC credit card permanently requires no bill remains due against your credit card. Please check that all the bills must be paid before the process of closure, you must redeem all the credit points earned. Once you close your credit card you won’t able to use your earned rewards points.
· For permanent closure of your credit card, you can get in touch with the HDFC credit card toll-free helpline number. HDFC customer care number is 61606161 or 6160616, you have to use the valid STD code of your’s before the number. You should dial with the phone/mobile registered with a credit card.
· keep credit card numbers in your hand as the automated call machine will ask for it. Maintain the safety of the secure password; never disclose your CVV number or pin.
· You can do permanent closure of the HDFC credit card by post also. down load, the cancellation form available on web site www.hdfcbank.com, fill the required column.
· The mailing address of hard copy form is – The Manager, HDFC Bank Credit Cards, PO Box 8654, Thiruvanmiyur, Chennai-600041
Pre Close HDFC credit card EMI
Pre-closure of HDFC credit card EMI has a few essential requirements. Let us assume, I am pre-closing the EMI under the grace period for payment, then there are no pre-closure charges. After the prescribed grace period, one requires to pay an additional 3% of the total outstanding amount of EMI money. GST of 18% of pre-closure charges is also applicable.
· Once you will pay the complete outstanding amount of EMI, you can request the HDFC bank through the customer care number for closure of EMI and send you No objection certificate.
· HDFC customer care number is 61606161 or 6160616, you have to use the valid STD code of yours before the number.
Close HDFC credit card through net banking Detail
Closure of HDFC credit card through net banking is one of the easiest and customer favorite modes. But, before initiating the closure process must ensure no bills pending for payment.
· First, you have to deactivate the HDFC credit card by the help of online banking. Then mail to send the ‘NO objection certificate’ for closure of your credit card.
· Go to the login web page https://netbanking.hdfcbank.com/netbanking/CCLogin.html , click on the credit card section, scroll down the option and select deactivate.
· Go to the outbox available on the extreme left corner, write about the closure of your HDFC credit card mentioning the card number. You will get the acknowledgment for that and later on, you will get the closure of the card letter also in the registered email ID and mobile phone.
How to pre Close HDFC credit card insta loan online
HDFC Insta Loan is a special attraction of the HDFC credit card. If you wish to close the loan earlier than as per scheduled EMI, you have to follow a few procedures-
· You have to visit the local branch of HDFC with documents related to the sanction of Insta loan.
· You have to fill a form related to closure of loan; you may have to enclose a cover letter also mentioning that you want to pre-close the Insta loan.
· You have to pay the pre-closure of loan charges @3% of outstanding + complete outstanding amount to clear the closure formalities
Close HDFC credit card Jumbo loan
Regalia credit card has an attractive feature related to air travel. If you wish to close the HDFC regalia credit card then first you have to check and clear the dues, if any there. The second most important thing is to check for any remaining unused earned credit points.
· You can close HDFC regalia credit cards online as well as offline.
· Go to your online HDFC account web page, go-to credit card section, select the deactivate after scrolling down the curser under credit card.
· Go to outbox reflecting up, write an email mentioning that you have cleared all the dues against the credit card having such and such number, request them to close the card permanently and grant you a closure certificate.
· Offline way is to visit or download HDFC credit card closure form, fill the form and submit it in your HDFC bank branch or send it by post to credit card customer care office.
· Send the filled closure form in the address- HDFC Bank Credit Cards, PO Box 8654, Thiruvanmiyur, Chennai-600041
How to Check HDFC credit card close status
It is quite common that after application for closure of credit card, we are eager to know whether my card is properly closed. Checking of the status of closure of credit card becomes important because CIBIL scores depend too much on transaction and repayment of credit card bills.
· You can ask the customer care to know the status of your application for the closure of the credit card. Keep the application reference number and credit card number ready as these may require during your conversation with customer care. The customer care number for credit card is-61606161 or 6160616, you have to use the valid STD code of yours before the number.
· To check the proper closure of your credit card, you can visit the CIBIL web site and check the CIBIL report. CIBIL report will demonstrate the correct information on the closure of credit cards.
Close HDFC Dinar club credit card
HDFC Dinar club card is a lifestyle provider based credit card. All the Dinar club card e.g. Dinar club black, Dinar club rewartz and Dinar club premium have the same process for closure of card.
· Contact the customer care number 61606161, The automated call machine will ask you for your card number and the option to deactivate.
· Once the card is deactivated and all the dues payment is over, you can write a letter to the central customer care department of the credit card of HDFC for complete closure of the card.
· The address for HDFC central customer care department – PO Box 8654, Thiruvanmiyur, Chennai-600041
· Once the card closure notice from bank will come to you, recheck the error-free HDFC credit card closure by checking your SIBIL report.
Close HDFC credit card smart pay
mart pay credit card of HDFC is one of the smart ways of purchasing the day to day utility-related items. If you want not to continue the card, you have the following option for closure-
· Before the closure application, please do not forget to check there should not be any credit still there in card for redeeming. If you do not redeem your earned points before closure, It will simply be lost.
· Bank does not accept closure if there is any outstanding amount against the credit card, you have to pay if there is any bill pending.
· Download the credit card closure application form available on www.hdfc.com, fill the form and send the form in the address – The Manager, HDFC Bank Credit Cards, PO Box 8654, Thiruvanmiyur, Chennai-600041
How to Close HDFC credit card account India
Closure of credit card account in India or abroad has the same process. However, if you are using customer care from outside India, you may not able to avail of the toll-free facility. You can send the HDFC credit card account in India in various ways- by online, through customer care, by post or even by visiting the nearest HDFC branch.
· By using your online banking facility you can deactivate the card after clearing all the dues and using outbox requests the bank to completely close the account.
HDFC credit card customer care
HDFC customer care number is 61606161 or 6160616, you have to use the valid STD code of yours before the number.
Pros and Cons
| Pros | Cons |
| 1) Closure of HDFC credit card has many ways, customer can choose as per their easiness. Credit cards closure requests can be put up through customer care number or outbox email facility. Email must be sent after clearing all the outstanding dues. | There is no as such cons require to put as alert for the customers. Yes, one indeed has to clear all the outstanding amount against the credit card for closure of card, this part is quite obvious. |
| 2) Deactivation of the card can also be done by the help of customer care call in the toll-free number-(STD code of your town) 61606161 or 6160616, | |
| 3) You can also close the HDFC credit card by downloading the credit card form from bank web page www.hdfc.comand sending the filled form to- HDFC Bank Credit Cards, PO Box 8654, Thiruvanmiyur, Chennai-600041 |
Conclusion
HDFC bank credit card closure procedure is simple and provides all the possible modes of closure e.g. online banking, offline by post or by the visit of the branch, by customer care or by email. HDFC is known for its maximum number of credit cards have different features to attract the customers, hence, you may find little difference in the procedure of closure of different cards. If a credit card is having outstanding in the form of EMI or interest etc., you have to first clear that outstanding then only you can proceed further.
To know about pre-close or temprary close of HDFC credit card visit
https://creditcardedu.info/home/close-hdfc-credit-card/how-to-pre-close-hdfc-credit-card-emi/
Frequently Asked Questions
Is there any additional charge if I am closing a credit card having EMI dues?
If you want to close an HDFC credit card having an outstanding amount of money in the form of EMI, then first you have to clear the outstanding amount. You have to pay an additional 3% of the outstanding amount plus GST to proceed for .closure.
Is there any temporary closure process for the HDFC credit card?
Yes, the temporary closure process is there, you can deactivate your card for the time being from your online internet banking of the HDFC bank or through customer services. Under the credit card section inside your internet banking portal, you can choose to deactivate option. You can deactivate your credit card by contacting toll-free numbers-61606161 or 6160616, you have to use the valid STD code of yours before the number.
How to check the status of the closure application of the HDFC credit card?
It is better to check the closure of a credit card by checking your CIBIL report. If it is closed properly, then the CIBIL report will tell you that such and such credit card of yours is closed with zero payment dues. For the current status of your application, you can contact your bank branch. However, you will get a notification through your registered email ID that your credit card closure process is over successfully.
Is the closure of my SBI credit card effects my SIBIL points?
Credit card helps build a high CIBIL score. Your CIBIL score is build based on previous credit records. If you pay the credit card bills in a prescribed interval of time, Then each year credit points in CIBIL score increase. If there are lapses due to some reason then there will be a decrease in the credit points. There is computational programming used in this work. However, if you are closing an HDFC credit card after clearing all the dues, there is no as such any loss in the CIBIL score.
WHICH IS A BETTER METHOD EMAIL OR CUSTOMER CARE FOR THE CLOSURE OF THE HDFC CREDIT CARD?
WHICH IS A BETTER METHOD EMAIL OR CUSTOMER CARE FOR THE CLOSURE OF THE HDFC CREDIT CARD?
WHICH IS A BETTER METHOD EMAIL OR CUSTOMER CARE FOR THE CLOSURE OF THE HDFC CREDIT CARD?
Both are equally helpful. Finally, you get an acknowledgment of the closure of your credit card from HDFC bank. If you apply through email, then every correspondence and record keep preserves in your mailbox, you are a little more relaxed.