How can I close a credit card account and pay it off?

I have not used this card in years yet with all of the fees and what-have-yous it is becoming a monster. Beside going through a debt consolidation program are there other choices for closing the account and paying it off?
How can I close a credit card account and pay it off?
Use telephone.


Call credit card company.


Pay off account.


Close account.
Reply:Well first you have to have a zero balance so pay off the balance





Then you call the company and tell them to close it and send you a letter in the mail to confirm its closed
Reply:I believe you have to pay it off first and then close it out, however you may call them and find out more details.


You just pay the minimum +10% and thats the best and fastest way to pay it down if you dont have the funds to pay it off.


another idea is to get a no nterest loan or low interest loan from a family member and pay it off then pay your family member back
Reply:You do not have to pay off a credit card to close the account. Simply call the 800 number and tell them to close the account request a letter to verify it and then you just continue to pay them as usual.
Reply:Phone the credit card company ask them to cancel your card and continue to make the payments, try to add a little more than the monthly amount owed. Until you pay it off. if you have a credit card with a high interest rate try to transfer the balance to another card with a low intro rate for the longest amount of time. Cancel after your fist payment and continue making payments until it is all paid.
Reply:They're not going to close it for you they're very smart you have to pay them first then they'll close it for you. It happened to me i never use my credit card for years but i had few dollars left just serves charge they didn't close my account. I had to pay them first then they closed it.
Reply:Well, in effect you've closed the account if you aren't using the card, it's just that they are still charging you for officially having an open account. You can't really close it until it's paid off but it sounds like you're making minimum payments on a high balance. You should see if you can get a credit card with a low interest rate, even 0%, and transfer the debt so you can get rid of it easier. Once you have transferred the debt and have the old card at 0.00 you can close it. They will try to keep you on as a customer for sure, so just be ready to tell them no, and they might even offer you a great rate to stay a customer. With CC companies, you have to play them just like they are ready to play you, but you only get the advantage when you have the dollar figures under control.





I suppose they might let you close the account with a balance, you'd have to ask them.