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I received a credit card and changed my mind. How do I cancel it? Do I have to pay the fees?
State/Country relating to Question: Nebraska Already Tried: The bank has a non-use inactivity closure statement that says the account will be automatically closed if not used within 50 days' deliquency, and all fees will be reversed, providing I've never used the card or made a payment.
Christina, Is the credit card from the Bank or from a company such as American Express?
First Premier Bank
Is this the actual bank that you belong to?
no
All you have to do is call them and tell them you want to close the credit card. Now they MAY decide to charge you some fine print fee, but I would advise this: If you say that you suspect that your identity was stolen and you are closing because of this, banks and credit cards sometimes wave said fees. Especially if you ask them to. Note, I am saying this in case you are such a victim. Ahem. Best of luck in your matter! I'm here if you need any more clarification or follow up info. --- I hope you found my answer helpful, and if so please click on the GREEN ACCEPT button for my answer. This is the only way for me to be paid for my work. Your question will not close, and you will still have the opportunity to follow-up if and I would be happy to answer any and all of the follow up questions. Remember, sometimes the law under which your situation falls does not give you the outcome or the choices you wanted - please understand that this is not the attorney's fault, but the way of circumstance. There might be a delay between your follow up questions and my answers because I may be helping other clients or taking a break. Leaving a bonus and positive feedback is not required, but doing so is certainly appreciated! You can always request me for a future legal consultation through my profile at http://www.justanswer.com/profile.aspx?PF=7286322&FID=7 If you do this, make sure to being the question with “This Question is for Eli…”
Attorney and Counselor at Law
Specializing in areas of immigration, family law, personal injury, and small business consultation.