Check for any remaining balance, pending charges, and accrued interest
Pay the full statement balance (or the required amount) before closing if possible
Review your account for scheduled payments, autopay, subscriptions, and recurring charges
Update autopay and billing accounts to a new card or payment method
Request the closure through the card issuer’s app, website, or customer service
Confirm the closure request and ask for the effective closure date
Keep records of confirmation numbers, emails, or reference IDs
Stop using the card after the closure request is submitted
Monitor the account for any post-close credits, refunds, or final fees
Ensure your credit report reflects the account as closed
Verify that recurring payments are no longer attempting to charge the closed card