How Do I Cancel My TD Bank Credit Card?
TD Bank offers its customers a variety of services, including credit cards. TD Bank's credit cards are convenient because they allow you to purchase goods and services, even when you don't have the cash on-hand.
However, some factors can prompt you to cancel your TD Bank credit card. If you have decided to cancel your TD Bank credit card for any reason, this article will take you through the required steps.
Canceling your Credit Card with TD Bank
To cancel your TD bank credit card, you can follow the guidelines given below or contact the TD Bank customer support team to ask for more guidance. Here's how you go about canceling your credit card with TD Bank:
1. Redeem Your Rewards
When using the TD Bank credit card, you'll earn rewards that you can redeem to purchase goods and services. To prevent these rewards from going to waste when you are canceling your TD bank credit card, you can redeem them to buy something. While this may not be compulsory for TD bank, some experts advise you to clear your credit card balance before canceling the credit card.
2. Contact TD Bank
Most credit card companies prefer that you call their customer support team when you want to cancel your credit card, because this allows them to convince you not to cancel the card. When you call a TD Bank representative, they will ask the reason why you are canceling your credit card. The TD Bank representative may try to convince you not to cancel the card.
However, the final decision of whether or not to cancel the credit card is up to you. When you talk to the TD Bank customer support representative, tell them to indicate that you are the one that requested the cancellation of the credit card, and not the issuer of the card. This helps protect your credit, so the credit card issuer who canceled the card cannot say that you defaulted in payment.
Other Ways to Reach TD Bank
You can also reach TD Bank by live chatting with them, where you'll get an immediate response. However, when live chatting with the agent from TD bank, they will advise you to make a call to TD Bank and speak one-on-one with an agent. You can also reach TD Bank by sending them an email, though this will not get you an immediate response and you will still be requested to call TD Bank. You can also send TD Bank a cancellation letter requesting that they cancel your credit card. TD Bank is also available on Facebook and Twitter.
Check your Credit Report
It may take up to a month before the cancellation of your credit card reflects on your credit report. When it does, confirm that it indicates that you are the one who initiated the credit card cancellation and not the issuer of the card, who is TD Bank.
After thousands of TD Bank customers came to GetHuman in search of an answer to this problem (and many others), we decided it was time to publish instructions. So we put together How Do I Cancel My Td Bank Credit Card? to try to help. It takes time to get through these steps according to other users, including time spent working through each step and contacting TD Bank if necessary. Best of luck and please let us know if you successfully resolve your issue with guidance from this page.
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