Fortunately, since credit card accounts are often tied to your personal information, like your Social Security number, you can still close the credit card without having the account number. If the credit card still has a balance, it’s a good idea to pay off the balance before closing the account. Once you contact the credit card issuer, make sure they have your correct billing address on file and have a credit card statement mailed to you so you can verify the amount and pay off the balance. You can opt to pay the balance over time or all at once if you can afford to. No phone number listed on the credit report? Find the website and look for a “Contact Us” link on the site to find a contact number. You can also try looking through your old documents to locate a credit card statement from that creditor. Once you have a number, call the card company. Let them know you have an account with them, but no longer have the credit card or the credit card number. The customer service representative will ask for some identifying information to look up your account. For privacy reasons, the company might have a policy against giving out credit card numbers over the phone. They may ask for the reason you’re closing your account or even offer better terms to keep your business. If the offer sounds worth taking, you might want to reconsider closing your credit card. In the letter include your name, address, and last four digits of the account number. State that you requested to have your credit card account closed by phone and would like your credit record to reflect that the account was closed at your request. Then, check your credit report in a few weeks to confirm that your account was closed.
