How To Close SBI Credit Card, Every bank has its own credit card offers. Due to which the cardholder prefers to have different credit cards simultaneously. Nowadays credit cards are one of the most widely used products in the world. Due to which the cardholder needs to stop using the credit card and close it. Due to which the cardholder does not have to pay charges and unnecessary fees.
SBI Credit Card offers a lot of variety which gives us many benefits. Be it online shopping, travel and dining, SBI offers credit cards for everyone’s needs.
Now we will see what steps to follow while how to close SBI credit card.
How Can I Close the SBI Credit Card Online?
Considering the credit card usage and offers, SBI does not allow credit card cancellation and online credit card cancellation. For which you have to write a mail to SBI Bank requesting to cancel the credit card or contact the customer support of the bank.
Also Read – Best Credit Card for Withdraw Cash in India 2024 – Charges, Interest Rates & Features
Ways to Close SBI Credit Card Offline – How to close SBI credit card
Now we will know the ways to close SBI credit card offline
1. Write a cancellation request letter to SBI Bank.
To close the SBI credit card you have to write a letter to the main branch of SBI. Which you have to send to this address SBI Card, PO Bag 28, GPO, New Delhi 110001. In which your full name, address, card number and phone number etc. details have to be mentioned. If your account is closed, your card will also be deactivated. Apart from this, the bank will send a written confirmation to you. Do not give confidential information like PIN and CVV in the letter. Once the card is canceled, cut it into a cross so that no one can misuse it.
2. Call SBI Bank customer care number
You can call SBI’s customer care number to cancel the credit card.Here the customer care number of the bank is given.
SBI Customer Care Numbers
- 1860 180 1290
- 1860 500 1290
- 1800 180 1290
There are some things you need to keep in mind during the call. When you talk to the customer officer, you should say “I don’t need this card anymore, so I want to close this card.” Do not share confidential information like card PIN and CVV with the official. how to close SBI credit card.
Steps To Request for Closure of SBI Credit Card
How to close SBI credit card, Card cancellation request can be made by sending a letter to the address as per the order given below.
Your Address –
Credit card details,
PO-Bag 28, GPO,
New Delhi- 110001
Remember the following points while writing the letter:
- your name,
- birth date,
- card number,
- Do not mention CVV and PIN in it.
Things to Check Before Closing SBI Credit Card
How to close SBI credit card, A cardholder can close a credit card at any time, here are some points you should check before cancelling.
Make sure the credit card bill is paid:
- Once you clear the pending credit card amount, then the credit card cancellation process will be initiated.
Award Points:
- Cardholder can redeem unused reward points within 45 days of card closure.
- Before closing the SBI credit card one should check the unused reward points.
The card should not be used before the closure process:
- If you want to close the SBI credit card, do not use it after applying for closure, and if you do, the bank will not accept the closure if the new payment bill is outstanding.
Also Read – 7 Best Credit Card for Shopping, Mobile Recharge and Bill Payment in india
Does a closed credit card affect your CIBIL score?
- If the cardholder has only one credit card for which he has paid all his bills.
- So if the cardholder wants to close the card, their credit score is not affected at all.
- If a cardholder has multiple credit cards, canceling one of them, if the amount of available credit decreases, this will increase the credit utilization ratio and negatively impact the CIBIL score of the cardholder.
- If the cardholder closes the card after paying the dues in full, their credit score is not affected.
FAQs
Q. How can I close my SBI credit card permanently?
A. You can call the customer care number – 1800-180-1290
Q. How do I permanently close my credit card online?
- Provide your Mobile No.
- Enter OTP received.
- Selection of Credit Card which you would like to close.
- Enter last 4 digit of the Credit Card.
- Select the closure reason.
Q. How can I block my SBI credit card online?
A. SMS BLOCK XXXX to 5676791 from your registered mobile No.
