# The Right Way to Close Your Credit Card Account in the UAE **Published:** 2019-08-22T00:00:00.000Z **Updated:** 2026-07-30T16:26:00.729Z **Author:** Tanvi Pathak **Original Url:** https://www.paisabazaar.ae/credit-cards/articles/the-right-way-to-close-your-credit-card-account-ccart/ ## Most Popular Credit Card in UAE Salary Range Free for Life ### Cashback Credit Card CashbackAirport Lounge AccessTravel DiscountsDining DiscountsFood Delivery OffersIslamic / Shariah Compliance Minimum Salary:**5,000** Annual Fee:**Free for Life** 5% cashback on two categories below Grocery, Educations, Fuel, International spends, Dining Enjoy complimentary airport lounge access to over 25 lounges worldwide. Cashback ### ULTRACASH Mastercard Touch Card Valet ParkingBalance Transfer Facility0% Installment Plans Minimum Salary:**10,000** Annual Fee:**500** Welcome Offer : Make one retail transaction in the first 30 days of card issuance and receive bonus cashback upon payment of annual fee.AED 500 UAE Nationals and AED 300 Expatriates 10% cashback on Fuel for the first 3 months and 5% thereafter Reward Points ### TouchPoints Visa Infinite Credit Card Airport Lounge AccessMovie DiscountsDining DiscountsGolf BenefitsTravel Insurance CoverageTravel DiscountsFood Delivery OffersBalance Transfer Facility0% Installment PlansSchool Fee Installment PlanInstant Cash Loan Minimum Salary:**25,000** Annual Fee:**1,050** 15,000 Bonus TouchPoints for spends of AED 15,000 VOX Cinemas Buy one get one FREE Credit card is a blessing but only to those users who make the right use of it. It could be a bigger burden if you don’t understand the usage of the credit card in UAE. This makes a few people close their credit card accounts. However, there could be a lot of reasons as to why you want to shut down your credit card account. You may have multiple credit cards, your credit card provider has raised the annual fee and rate of interest, you are leaving the country, or simply you are not able to manage expenses. Few people think that not using a credit card will automatically close their account but it a myth. Even though, you do not use your credit card either for a few months or years, there would be some charges keep on imposed on it and delaying the payments can ultimately hurt your credit score. _So, follow these useful steps to close your credit card account in the right manner._ ## Pay Off the Outstanding Balance The first and foremost thing that you will need to do to settle your remaining balance before you request to close your credit card account. Choosing to avoid clearing off the outstanding dues and requesting for closing a credit card account first is not the right option. Any sort of delays in repaying the outstanding due amount will eventually increase your liability with your credit card provider since it gets accumulated month after month. In addition to this, your monthly rate of interest will be applicable on your credit card balance making it difficult to settle since it piles up. The quicker you pay off your credit card outstanding balance amount the less of an impact it will have on your credit score. So, it is advised to check your credit card balance and if, in case, you have to clear any outstanding dues, clear them and then proceed further to cancel your credit card. ## Ask for a Clearance Letter As you pay off your outstanding balance amount, be sure you keep the payment receipt of the amounts that you have paid. Well, this will be a strong proof of payment in the future and supporting documents in any unforeseen event that an administration error occurs from the side of your credit card issuer. You will need to get a clearance letter from your credit card provider once you paid all the payments for a strong legal cover. This will be the confirmation that your liability with the credit card issuer no longer exists. ## Utilize Your Credit Card Rewards When you [cancel your credit card](/how-to-properly-cancel-a-credit-card-in-dubai-uae-ccart/), you won’t be able to utilize any of the rewards you have earned on your credit card. Before cancelling your credit card, don’t forget to check your rewards balance in order to see how many rewards you have and utilize them. ## Supplementary Credit Cards If you are a primary card holder, you will be liable to pay any debt on the credit card account. So, you must talk to your credit card provider about cancelling the supplementary or add-on card that might be in the name of your wife or children for instance. If you are a supplementary card holder, you can’t keep the credit card account active if an account is closed by the primary cardholder. You know, why? Deactivation of the primary credit card automatically deactivates the add-on cards.   ## Contact the Customer Service After paying off your outstanding balance amount, call your credit card’s customer care from the registered mobile number. Let the customer care representative know that you are requesting to shut down your credit card account. However, the representative will try to influence you and talk to you to keep your account remain open, but you can tell them your valid reason and request that the customer care representative confirms your cancellation  request verbally. Also, don’t forget to ask for a confirmation SMS or email to that effect. ## Obtain a Printed Document Once the concerned bank approves your credit card closing request, ask them to provide letter about shutting down your credit card account. This is one of the most important things that you should not avoid because at times bank might miss out in deactivating your credit card account and if you don’t have any valid proof then you might lend in problems. As you will have to pay the late payment charges and these penalties can hamper your credit score significantly. Conclusion Don’t skip any of these above-mentioned steps if you have finally decided to shut down your credit card account. These plastic cards are very useful if you get a credit card as per your spending habits. So, know your using preferences and get a [credit card in UAE](https://www.paisabazaar.ae/credit-cards/articles/best-credit-card-in-uae/) accordingly but don’t forget to close the credit card account properly before you request for a new one. ## People Also Looking For [Credit Card](https://www.paisabazaar.ae/credit-cards/)[Credit Cards With Lounge Access](https://www.paisabazaar.ae/credit-cards/articles/5-credit-cards-offering-complimentary-airport-lounge-access/)[Best Cashback Credit Cards in UAE](https://www.paisabazaar.ae/credit-cards/articles/top-cashback-credit-cards-in-uae/)[Credit Card Application Status](https://www.paisabazaar.ae/credit-cards/articles/how-to-check-credit-card-application-status/)[NBD Credit Card Application Status](https://www.paisabazaar.ae/credit-cards/articles/how-to-check-emirates-nbd-credit-card-application-status/)[Free For Life Credit Cards](https://www.paisabazaar.ae/credit-cards/free-for-life-credit-cards/)[Credit Card With Instant Approval](https://www.paisabazaar.ae/credit-cards/articles/want-a-credit-card-with-instant-approval-here-are-your-options/) [Best Credit Cards For Beginners](https://www.paisabazaar.ae/credit-cards/articles/best-credit-cards-for-beginners-in-uae/)[ADCB Credit Card Status](https://www.paisabazaar.ae/credit-cards/articles/how-to-check-adcb-credit-card-application-status/)[Credit Cards With No Annual Fee](https://www.paisabazaar.ae/credit-cards/articles/top-credit-cards-with-no-annual-fee-in-uae/)[Eligibility of Credit Card](https://www.paisabazaar.ae/credit-cards/articles/credit-card-eligibility-in-uae/)[Credit Card Without Bank Statement UAE](https://www.paisabazaar.ae/credit-cards/articles/get-a-credit-card-in-uae-without-a-job/)[Check the Status of Emirates Id](https://www.paisabazaar.ae/credit-cards/articles/check-your-emirates-id-status/) ←Previous [Excited for Your First Credit Card? 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