Many banks, upon completion of the card service agreement - debit or credit - automatically renew the contract for the next period on the same terms. In order to refuse further cooperation with the bank, it is necessary to perform a number of actions.
Instructions
Step 1
See when your card expires. This information is indicated on its front side and is written in most cases in the format "xx / xx", where the first two digits indicate the month, the second two - the year. If the numbers "10/13" are engraved on the card, then the last day of use is October 30, 2013.
Step 2
Review the card service agreement. It may indicate that in the event of its termination, the bank will automatically issue a new card with the transfer to it of all funds on the account minus the cost of annual service. If you want to refuse the card and not pay this amount to the bank, find a clause in the agreement that says how long you must notify the financial institution about the termination of service. Typically, this period is 30 days. If the agreement states that the account is being closed, you need to withdraw all available funds from it. Since the card is the property of the bank under the terms of the agreement, you need to return it upon completion of the service.
Step 3
Visit the official website of your bank, find the address of the nearest one in the list of branches.
Step 4
Visit the bank branch before the specified period, otherwise you will not be able to return the money debited for service in the subsequent period. Explain to the employee that you want to close the account, based on your words, he will draw up a statement that you need to sign.
Step 5
Go to the cashier to cash out funds from your account linked to the card. Receive money and a statement of the transaction on hand. You can also make a money transfer to another account, keep in mind that the bank may charge you a commission for making such an operation.
Step 6
If your credit card has a negative balance at the time of termination of the contract, pay off the debt to the bank in the manner prescribed by the contract.
Step 7
Give your bank card to a bank employee, he will cut it in front of you.
