If you no longer need your credit card, it is important to close it properly. Many people stop using their card but forget to cancel it. This can lead to annual fees or other charges. If you want to cancel ADCB credit card in UAE, here is a clear and simple guide to help you.
Abu Dhabi Commercial Bank, commonly known as ADCB, offers several credit card options in the UAE. If you are planning to close your card, following a proper Cancel ADCB Credit Card in UAE Guide can help you avoid delays or extra charges. The cancellation process is simple, but you need to complete a few important steps first to ensure everything is cleared correctly.
Things to Do Before Cancelling
Before you request cancellation, make sure:
-
Clear all outstanding dues
Pay your full balance, including pending transactions, installments, and any interest. -
Redeem reward points
If your card offers cashback or reward points, use them before closing the account. Once the card is cancelled, unused points are usually lost. -
Cancel auto payments
Check if your card is linked to subscriptions, utility bills, or online services. Update those payments to avoid disruption. -
Check for annual fees
Confirm whether any annual fee is pending. It is better to clear everything before starting the cancellation request.
Step by Step Process to Cancel ADCB Credit Card in UAE
Step 1: Contact ADCB Customer Service
Call ADCB customer care using the number on the back of your card. Inform them that you want to cancel your credit card. The agent may ask for identity verification details.
You can also visit a branch if you prefer face to face service.
Step 2: Request Card Closure
After confirming that there are no outstanding payments, request official card closure. The bank may submit a cancellation request on your behalf.
Sometimes, they may offer retention benefits. If you are sure about closing the card, clearly confirm your decision.
Step 3: Submit Written Request (If Required)
In some cases, ADCB may ask for a signed cancellation form or written request. This can be submitted at a branch or through official email instructions provided by the bank.
Step 4: Destroy the Physical Card
Once cancellation is confirmed, cut the card across the chip and magnetic strip. This prevents misuse.
Step 5: Ask for Clearance Letter
It is always smart to request a credit card clearance letter. This document confirms that your card has been closed and no dues remain. Keep it for your records.
How Long Does It Take?
Usually, the cancellation process takes a few working days after all dues are cleared. Make sure you receive SMS or email confirmation from ADCB.
You can also check your credit report later to ensure the card shows as closed.
Important Points to Remember
-
Do not ignore small pending amounts. Even a small balance can delay cancellation.
-
Avoid using the card once you request closure.
-
Keep all communication records until the process is complete.
Closing a credit card may affect your credit score slightly, especially if it reduces your total available credit. If this is your oldest card, think carefully before cancelling.
Final Thoughts
To cancel ADCB credit card in UAE, the key is clearing dues and following the proper request process. Do not just stop using the card. Always close it officially through the bank.
A few simple steps can save you from future charges and credit issues. If you are unsure about your balance or status, contact ADCB directly and confirm everything before proceeding.
