How to close Standard Chartered credit card?

A credit card can be closed by submitting a request through customer care, NetBanking, or by visiting a bank branch.

Closing a credit card means the card account will be permanently deactivated and cannot be used for transactions.

Before closing the card, all outstanding dues must be cleared.

Credit cards issued by Standard Chartered Bank can be closed using a few simple methods.

Let’s understand the process.

Things to Check Before Closing a Credit Card

Before requesting closure, a few conditions must be met.

Important checks include:

• All outstanding dues must be paid
• No pending EMIs should remain
• Any reward points should be redeemed
• Automatic payments linked to the card should be removed

Once the card is closed, unused rewards may be lost.

Method 1: Close Credit Card Through Customer Care

One of the easiest ways is contacting customer support.

Steps usually include:

1. Call Standard Chartered credit card customer care
2. Request credit card closure
3. Provide identity verification details
4. Confirm the closure request

The bank processes the request after verifying account details.

Method 2: Close Through NetBanking

Credit card closure can also be requested online.

Steps include:

1. Log in to Standard Chartered NetBanking
2. Go to Credit Cards section
3. Select the credit card
4. Choose Close Credit Card or Request Closure
5. Submit the request

The bank reviews the request before closing the account.

Method 3: Visit a Bank Branch

Another option is visiting a Standard Chartered branch.

Steps usually include:

• Visit the nearest branch
• Fill out a credit card closure form
• Submit identity proof if required

The bank processes the request after verification.

Method 4: Send Written Closure Request

Some banks accept closure requests through email or written communication.

Typical steps include:

• Write a credit card closure request
• Include card details and account information
• Send the request to the bank’s official email or postal address

The bank reviews the request and confirms closure.

What Happens After Closing the Credit Card

Once the credit card is closed:

• The card cannot be used for transactions
• The account becomes inactive
• The credit limit linked to the card is removed

A confirmation message is usually sent after the closure is completed.

Impact on Credit Score

Closing a credit card may affect the credit score depending on the credit history.

Possible effects include:

• Reduced overall credit limit
• Higher credit utilization ratio

If the card has a long credit history, closing it may slightly impact the credit score.

FAQ

How long does it take to close a Standard Chartered credit card?

Closure usually takes a few working days after verification.

Can the card be closed online?

Yes, closure requests can be submitted through NetBanking or customer care.

Should the outstanding balance be cleared first?

Yes, the card must have zero outstanding balance before closure.