If you mean to cancel a credit card, call the number on the back of the card for support. Speak to a representative, once you Provide proper information, and they see there is no balance, they will cancel your account and deactivate the card upon request.
PLEASE READ.
Your credit score is calculated based on five different factors. Two of those factors are directly affected by your unused credit cards, and those are:
- Length of credit history
- Credit utilization ratio
Length of credit history is basically how long you've been using credit cards, and it makes up 15% of your FICO score. More specifically, it's influenced by the age of your oldest account (the older the better), the age of your newest account (again, older is better), and the average age of all your accounts combined.
This is why it's smart to leave unused credit cards open, especially if you've had them for a while. According to Experian, "Closing an account with a long positive history may not always be the best action to take for your credit scores
.
