How to Close or Cancel ICICI Credit Card?

ICICI Bank is one of India's leading credit card issuers, with each card designed to cater to multiple needs of customers. Despite the convenience these cards provide, some customers may choose to close or cancel them. This could be for any personal reasons, such as finding it challenging to manage multiple credit cards at once. 

For such cases, ICICI Bank provides cardholders with convenient methods to cancel/close their credit cards. In this article, we will walk you through a guide on how to close ICICI credit cards, which including cancellation through:

• Customer Care
• Email 
• Filling out an online form
• Filling out an offline form

It also gives insight on:

• how to reactivate a closed/cancelled ICICI credit card
• tips to keep in mind before closing/cancelling an ICICI credit card. 

ICICI Credit Card Cancellation by Calling Customer Care

ICICI Bank provides its customers with a convenient credit card cancellation service which can be accessible through the toll-free customer care number. Here is a step-by-step guide on how to cancel an ICICI credit card via customer care support:

• Step 1: Dial the ICICI customer care number - 1800-1080. 
• Step 2: Place a cancellation request. Upon placing a cancellation request, you can expect a confirmation from a bank representative within the next couple of working days. 
• Step 3: Clear all your outstanding dues on your credit card, after which the bank will proceed to cancel the ICICI credit card.

ICICI Credit Card Cancellation by Email

In addition to contacting ICICI Bank’s customer care team, customers can also request to close the ICICI credit card via email. To do so, they need to send a request from their registered email ID to the official email ID of ICICI Bank, which is customer.care@icicibank.com. In the cancellation request, customers must specify the last 4 digits of their credit card along with other required personal details.

Credit Card Cancellation Form Online 

ICICI credit card cancellation can also be facilitated through online mode using the credit card cancellation form. Follow the outlined stepwise process with due diligence to cancel/close your ICICI credit card online: 

• Step 1: Log in to the ICICI Net Banking portal. 
• Step 2: Click on ‘Service Requests’ under the ‘Customer Service’ option.
• Step 3: Click on ‘Credit Cards’ and click ‘Request for Cancellation of Credit Card’.
• Step 4: Mention your credit card number, cancellation reason, mobile number and email and click ‘Submit’.
• Step 5: You will further receive a call from a bank representative to confirm your cancellation request. 
• Step 6: Upon confirming the request, the bank will process and cancel your card within 7 working days. 

Credit Card Cancellation Form Offline 

You can also cancel your ICICI credit card by visiting your nearby ICICI Bank branch and obtaining the credit card cancellation form. Then, fill out the form with the required details and submit it to the bank branch where you have an account. 

Things to Remember Before Closing/Cancelling ICICI Credit Card

Here are a few things you need to keep in mind before closing or cancelling your ICICI credit card:

• Use all the reward points associated with the credit card you want to close or cancel.
• Pay all the outstanding dues of such a credit card before initiating the cancellation request.
• Once the cancellation process has been initiated, avoid using credit cards to make payments.

Effects of Credit Score on Cancelling ICICI Credit Card

Generally, if an individual holds only one credit card and decides to close or cancel it, it may not significantly affect his/her credit score. On the other hand, cancelling a credit card can impact the credit score if the cardholder possesses multiple cards. Once the cancellation request is processed, the combined credit limit available with the cardholder decreases. As a result, the credit utilisation rate increases, causing a negative impact on the CIBIL score.

How To Reactivate a Closed or Cancelled ICICI Bank Credit Card?

To reactivate or re-apply your closed or cancelled ICICI Bank credit card, you need to call the customer service number at 1800-1080. A bank representative will further guide you on how to proceed with documentation and authentication requirements. Upon following the instructions, your ICICI credit card will be reactivated or re-issued. 

This was all about how to close ICICI credit cards. Regardless of the method you choose for credit card closure, it is important to consider its impact on your CIBIL score. Additionally, you must ensure that you utilise any reward points and clear any outstanding dues before initiating the closure process.

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