Getting a credit card is easy but closing it needs a checklist of tasks

Get a confirmation letter from issuer confirming closure, ensure it says you have no dues

Neha Sinha (name changed on request), a 37-year-old Delhi-based advertising executive, recently attempted to close a rarely used credit card. A procedure she thought would be simple and quick turned out to be quite prolonged. When she called the bank’s customer support, she was bombarded with questions on why she wanted to close the card. “They tried to persuade me not to cancel it. They even offered me incentives. Then they stalled. I was transferred to the cancellation department, where they again tried to dissuade me,” she says. Only when she remained adamant was the closure procedure initiated.

Getting a