How to Cancel Your RHB Credit Card

Cancelling your RHB credit card might seem like a daunting task, but with the right steps, it can be a straightforward process. This guide will walk you through each step, from assessing your account status to confirming the cancellation.

1. Assess Your Current Situation
Before proceeding with the cancellation, it’s crucial to review your credit card account. Make sure you understand any outstanding balances, pending transactions, and rewards points that may be at risk.

2. Settle Outstanding Balances
Ensure that your credit card balance is paid in full. If you have any pending transactions or recurring payments linked to the card, address those first. Unpaid balances might lead to penalties or affect your credit score.

3. Redeem Rewards Points
If your RHB credit card offers rewards or points, check if there are any unredeemed points. Use or redeem these points before you proceed with the cancellation to avoid losing them.

4. Contact RHB Customer Service
The next step is to contact RHB customer service. You can do this by calling their hotline or visiting a branch. Inform them of your intention to cancel the card and follow their instructions. They might require you to verify your identity.

5. Submit a Written Request
In some cases, RHB might require a written request for cancellation. Prepare a formal letter stating your intention to cancel the card, including your account details, and send it to the address provided by customer service.

6. Confirm the Cancellation
Once you’ve submitted your request, confirm with RHB that the cancellation process is underway. Keep track of any reference numbers or confirmation receipts provided during this process.

7. Destroy Your Card
After receiving confirmation that your credit card has been cancelled, securely destroy the card. Shred it or cut it into multiple pieces to prevent any potential misuse.

8. Monitor Your Credit Report
Finally, monitor your credit report to ensure that the cancellation has been properly reflected. Check for any errors or outstanding balances that need addressing.

By following these steps, you can effectively cancel your RHB credit card without unnecessary complications. Always make sure to keep a record of all communications and confirmations for future reference.