Owning a credit card comes with its perks and benefits. However, there may come a time when you decide to close your RBL Bank credit card for various reasons. In this article, we will provide you with a step-by-step process on how to close your RBL Bank credit card.
Step 1: Assess Your Decision
Before proceeding with the RBL Bank credit card closure process, take a moment to review your decision. Consider factors such as outstanding balances, reward points, and any ongoing benefits or offers associated with your RBL Bank credit card. Ensure that you have redeemed any accrued rewards before initiating the cancellation process.
Step 2: Clear Outstanding Dues
It’s important to settle any outstanding balances on your credit card before closing it. This will help avoid any additional charges or fees. You can do this by logging into your RBL Bank net banking account or by contacting the customer care helpline mentioned below.
Step 3: Contact RBL Bank Customer Care
To initiate the credit card closure process, reach out to RBL Bank’s customer care. You can contact them through the following channels:
- Helpline Number: +91 22 6232 7777
- Email: [email protected]
Step 4: Request for Credit Card Cancellation
Once you are connected with the customer care representative, inform them about your intention to close your RBL Bank credit card. They will guide you through the necessary steps and provide you with any required instructions or forms.
For credit card cancellation requests or sales grievances, you can also email: [email protected].
Step 5: Complete the Documentation
Upon initiating the cancellation process, RBL Bank may require you to fill out a credit card cancellation request form. Ensure that you provide accurate and complete information. Follow the instructions provided by the customer care representative or mentioned in the form.
Step 6: Destroy Your Credit Card
Once your cancellation request is approved, it is essential to destroy your RBL Bank credit card. Cut it into several pieces, ensuring that the chip and magnetic strip are rendered unusable. Dispose of the card securely to protect your personal information.
FAQ
Q: Will canceling my RBL Bank credit card affect my credit score?
A: Closing your credit card may have a minor impact on your credit score. However, if you have multiple credit cards and manage them responsibly, the impact should be minimal.
Q: Can I reopen my RBL Bank credit card after closing it?
A: No, once you have successfully closed your credit card, it cannot be reopened. If you wish to avail of credit card facilities again, you will need to apply for a new credit card separately.
Q: Can I cancel my RBL Bank credit card online?
A: While some banks offer online credit card cancellation options, RBL Bank prefers customers to contact their customer care helpline or email for the cancellation process. Reach out to them for specific instructions.
Q: Can I cancel my RBL Bank credit card if I have an outstanding balance?
A: It is recommended to clear any outstanding balances on your credit card before initiating the cancellation process.
Q: How long does it take to close an RBL Bank credit card?
A: The time taken to close a credit card can vary, but typically it may take a few weeks to process the cancellation request.
Q: Will I receive a confirmation once my RBL Bank credit card is closed?
A: Yes, RBL Bank will send you a confirmation via email or mail once your credit card closure request has been processed successfully.
Q: Can I transfer my credit card balance to another bank’s card before closing my RBL Bank credit card?
A: It is advisable to contact the customer care helpline or refer to the terms and conditions to check if balance transfer is possible before closing your RBL Bank credit card.
Q: Are there any charges or fees for closing my RBL Bank credit card?
A: RBL Bank may have certain charges associated with credit card closure. It is recommended to contact the customer care helpline for specific information regarding any applicable fees.
Q: Can I reapply for an RBL Bank credit card after closing my existing one?
A: Yes, you can apply for a new RBL Bank credit card after closing your existing one. The approval, however, is subject to the bank’s policies and your creditworthiness.
Q: What should I do if I have recurring payments linked to my RBL Bank credit card?
A: Before closing your credit card, make sure to update your payment details with the respective service providers to avoid any disruptions in recurring payments.
Q: Will my RBL Bank credit card account be closed automatically if I don’t use it for an extended period?
A: No, your credit card account will not be closed automatically due to inactivity. You need to follow the standard closure process by contacting the customer care helpline or submitting a cancellation request.
By following the step-by-step guide provided in this article, contacting the customer care helpline, and adhering to the necessary documentation, you can smoothly close your RBL Bank credit card.
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