If you are not satisfied with the services of your SBI credit card and you want to close your SBI credit card then you can do it very easily. Today in this article we will tell you how to close SBI credit card? or what is the method to close sbi credit card?
Customers may have various reasons for closing their SBI credit card. For example, it may be that you use your credit card very rarely and do not need it or you are not satisfied with the charges on SBI credit card, due to which you want to close your credit card. There can be many reasons that prompt a person to close their credit card.
Now let us tell you how to close SBI credit card? You can get your SBI credit card closed through many means. In this, you can now close your SBI credit card by calling the SBI card helpline number, giving a written request to close the SBI credit card and also by visiting your nearest SBI branch. We have explained in detail below how to close SBI credit card through these three means.
How To Close SBI Credit Card By Calling SBI Card Helpline?
You can get your SBI credit card closed by calling SBI card helpline. For this you have to request for closure of your SBI credit card by calling the toll free number of SBI card helpline. After this the process of closing your credit card will be started.
Below we have provided SBI Credit Card Band Karne Ka Number. You can get your SBI credit card closed by calling this number. It is worth noting that we have taken this SBI card helpline number from the official website of SBI. Before calling on this, you must check it from the official website.
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How To Close SBI Credit Card In Writing?
You can also get your SBI credit card closed by making a written request. For this you have to write a letter to SBI requesting to close your SBI credit card at the address mentioned below.
In this written letter you have to mention your name, address, card number and contact details. You have to keep in mind that you do not have to mention confidential information like CVV number or PIN of your SBI credit card.
How To Close SBI Credit Card By Visiting The Nearest SBI Branch?
You can also get your SBI credit card closed by visiting your nearest SBI bank branch. You have to visit your nearest SBI bank branch and request the bank officer to close your credit card. You need to carry all the documents related to your credit card which you want to close.
As soon as the process of closing your card is initiated, you can cut your respective credit cards obliquely. Once the primary card is canceled by the Bank on request by the primary cardholder, all add-on cards charged on it are also automatically canceled.
Things To Check Before Closing SBI Credit Card
Although you can close your SBI credit card whenever you want, but you need to check some points before closing your SBI credit card .
We have listed below some of the points that you need to check before closing your credit SBI card.
- Make sure dues are paid:
If there is any outstanding amount on your credit card then your credit card closure request will not be accepted by the bank. First the bank will send you a letter informing you about the outstanding amount. If the card holder pays the outstanding amount then the process of canceling the credit card is started by SBI.
Thus you are required to settle all the outstanding amount and EMIs on your credit card before placing a request for closure of SBI credit card.
- Reward Point:
Before closing your SBI Credit Card, you should check your reward points whether they have been utilized or not. If you have remaining reward points, you can redeem them from the gift list.
You can redeem this reward points within 45 days of credit card cancellation. So, do not forget to utilize your reward points before requesting for closure of SBI credit card.
- The card must not have been used immediately before the commencement of cancellation:
You have to keep in mind that you should not use your credit card just before you request for closure of your SBI credit card. Because if you use your credit card, your credit card bill will be redrawn, which will have to be paid by the cardholder and the bank will not consider your credit card closure request if you still have outstanding dues.
Therefore, you have to take full care that you do not use your credit card before requesting for closure of your SBI credit card.
- Latest details should be thoroughly checked:
You should check your latest details thoroughly before requesting for closure of your SBI credit card. After carefully observing all your outstanding balance and other things, you have to request for closure of your SBI credit card.