Closing a credit card can be a challenging task for many individuals. However, when it comes to closing your ADCB (Abu Dhabi Commercial Bank) credit card, the process is relatively straightforward. In this article, we will provide you with a comprehensive guide on how to close your ADCB credit card.
Understanding the Closure Process
Before initiating the card closure process, it is crucial to understand the implications and potential consequences. Closing a credit card may impact your credit score and credit history.
However, if you have made the decision to close your ADCB credit card, follow the steps below:
1: Prepare for Closure
- Review your account: Take a moment to review your recent transactions, outstanding dues, and any loyalty points associated with your ADCB credit card.
- Settle outstanding dues: Ensure that you have cleared all outstanding balances on your credit card. You can do this by making a payment online or visiting an ADCB branch.
2. Closing the ADCB Credit Card
- Contact ADCB customer care: Call ADCB’s customer care helpline at 00 971 2 621 0090 to inform them about your intention to close your credit card. Provide the representative with your credit card details and answer any security questions they may ask to verify your identity.
- Request account closure: Clearly express your desire to close your ADCB credit card during your conversation with the customer care representative. They will guide you through the necessary steps.
- Settlement arrangements: If you have any outstanding dues at the time of closing your account, discuss the settlement options with the customer care representative. They will provide you with the necessary guidance to settle your dues.
- Follow up: Make a note of the reference number provided by the customer care representative during your call. This will help you track the progress of your account closure request.
Closing your ADCB credit card may seem overwhelming, but by following these steps, you can ensure a smooth closure process. Remember to settle any outstanding balances and contact ADCB’s customer care helpline to initiate the closure.
FAQ
Can I close my ADCB credit card online?
No, the closure of an ADCB credit card cannot be done online. It is essential to contact the customer care helpline to initiate the closure process.
Is there a specific time frame for closing an ADCB credit card?
The closure process can vary in duration. However, once you’ve informed the customer care representative about your intention to close the credit card, they will guide you through the necessary steps.
Will closing my ADCB credit card affect my credit score?
Yes, closing a credit card can impact your credit score. If you have a long credit history or a high credit limit on your ADCB credit card, it may affect your credit utilization ratio. However, responsible credit management can help mitigate the impact on your credit score.
Can I close my ADCB credit card if I have an outstanding balance?
Yes, you can close your ADCB credit card even if you have an outstanding balance. The customer care representative will guide you on the settlement arrangements for clearing the dues.
How long does it take for the account closure to be processed?
The processing time for account closure may vary. However, you can follow up with the customer care helpline or visit a branch to track the progress of your closure request.
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