IndusInd Bank is one of the leading private sector banks in India that offers a wide range of financial services, including credit cards, personal loans, savings accounts, and more. IndusInd Bank credit cards come with various benefits, such as reward points, cashback, discounts on shopping, dining, and entertainment. However, there may be situations where you may want to close your IndusInd Bank credit card due to various reasons, such as high fees, interest rates, or unsatisfactory services. In this article, we will discuss the step-by-step process of closing an IndusInd Bank credit card and other important details that you should know.
Step-by-Step Guide to Close IndusInd Bank Credit Card
Pay off all outstanding dues: Before closing your IndusInd Bank credit card, make sure that you have paid off all outstanding dues, including any pending EMIs, interest charges, or penalties. You can check your credit card statement or contact the bank’s customer care to know your outstanding balance. If you have any reward points or cashback balance, make sure to redeem them before closing the card.
Contact IndusInd Bank Customer Care: Once you have cleared all outstanding dues, you can contact the IndusInd Bank customer care to initiate the credit card closure process. You can reach the customer care through the following channels:
- IndusInd Bank Credit Card Customer Care Number: You can call the IndusInd Bank Credit Card customer care number at 1860 267 7777 or +91 22 4220 7777 (for overseas customers) to request the closure of your credit card. You will need to provide your credit card number, date of birth, and other relevant details to verify your identity.
- Email: You can also send an email to the IndusInd Bank credit card customer care at [email protected] with your credit card details and request for closure. Make sure to mention your contact details and any specific reason for closing the card.
- Online Chat: IndusInd Bank also provides online chat support through its website, where you can chat with the customer care executive and request the closure of your credit card.
Follow the Closure Process: Once you have contacted the IndusInd Bank customer care and requested the closure of your credit card, they will guide you through the closure process. The process may vary depending on the type of credit card and the reason for closure. You may be asked to fill up a closure form, provide a written request, or visit the nearest branch to complete the process. Make sure to follow the instructions carefully and provide all necessary documents, such as ID proof, address proof, and PAN card.
Verify Closure: After completing the closure process, make sure to verify that your credit card has been closed successfully. You can check your credit card statement or contact the customer care to confirm the closure. Also, make sure to destroy your credit card and cut it into several pieces to prevent any misuse.
Important Things to Keep in Mind While Closing IndusInd Bank Credit Card
Pay off all outstanding dues: Make sure to clear all outstanding dues, including any pending EMIs, interest charges, or penalties, before closing your credit card. Failure to do so may lead to additional charges and impact your credit score.
Redeem reward points and cashback: If you have any reward points or cashback balance on your credit card, make sure to redeem them before closing the card. Once the card is closed, you may lose your rewards and cashback balance.
Follow the closure process: Make sure to follow the closure process as instructed by the IndusInd Bank customer care. Failure to do so may result in delay or rejection of your closure request.
Verify closure: After completing the closure process, make sure to verify that your credit card has been closed successfully. Check your credit card statement to confirm that there are no pending transactions or charges. Also, make sure to destroy your credit card and cut it into several pieces to prevent any misuse.
Check credit report: After closing your IndusInd Bank credit card, check your credit report to ensure that the closure has been updated. This will help you avoid any negative impact on your credit score or credit history.
Consider other options: Before closing your IndusInd Bank credit card, consider other options, such as reducing the credit limit, converting to a lower interest rate card, or negotiating the fees and charges. If you are facing financial difficulties, you can also request a credit card settlement with the bank.
Keep records: Make sure to keep a record of all communication with the IndusInd Bank customer care regarding the closure of your credit card. This will help you in case of any disputes or issues in the future.
Conclusion
Closing an IndusInd Bank credit card can be a simple process if you follow the steps mentioned above and keep in mind the important things to consider. Make sure to pay off all outstanding dues, redeem your reward points and cashback, follow the closure process, verify the closure, check your credit report, and consider other options before closing the card. If you have any queries or issues regarding the closure process, you can always contact the IndusInd Bank customer care through the provided channels.
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