How to close a bank account in another city?

How to close a bank account in another city?

Score: 3 Votes: 3
Score: 3 Votes: 3
Score: 3 Votes: 3
Heavyball2 med 1
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I need to close one of my bank account which is in another city. I also want to close the associated credit card with it. Can I do so without going to the bank branch?

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Missing
Deal Cadet
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from bank a/c withdrew all u r money or due to core banking u can chage u r base branch to u r current city
if u want to keep credit card call card issuer regarding u r new address
or call them to closes u r CC pay the balance due it is that simple

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Moderator
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Which bank is it?
first shift that account to ur nearest branch and close that account after Few days!

[ Tip from my friend, says easiest process]

Bal ganesh
Deal Subedar
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@hese wrote:

Which bank is it?
first shift that account to ur nearest branch and close that account after Few days!

[ Tip from my friend, says easiest process]


+1
Safe way of doing.

Or close CC first. Then transfer all funds and send an email to close your account or scanned copy of request in case just email is OK. Make sure you maintain AMB for that month even after withdrawing all funds. Keeping more money for few days will do this.

Matrix stickmen
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@dragonball You can follow the suggestion given by @hese to close the accounts. However, I would advise you to not close your credit card account regardless of whether you use the credit card or not as closing it will negatively impact your credit score. Keeping your older credit card accounts alive maintains your “credit age” and keeps your “credit utilization ratio” low. Both of these things are important for a good credit score. Read the last para in the following post for relevant info: http://www.desidime.com/forums/hot-deals-online...

Heavyball2 med 1
Deal Cadet
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Standard Chartered. And there is no brnach of this bank in/near my city. So I can not transfer my account.

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Deal Lieutenant
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@dragonball wrote:

Standard Chartered. And there is no brnach of this bank in/near my city. So I can not transfer my account.


Send a written request to to your base branch including the details of the account to which you want the balance to be transferred electronically. Declare that you have destroyed debit card and cheque book or enclose these with the request.

Missing
Deal Subedar
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@disclaimer wrote:

@dragonball wrote:

Standard Chartered. And there is no brnach of this bank in/near my city. So I can not transfer my account.


Send a written request to to your base branch including the details of the account to which you want the balance to be transferred electronically. Declare that you have destroyed debit card and cheque book or enclose these with the request.

This is best way.

And send that request through Register Ad (Indian Post)……

Break the bottle
Deal Captain
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@DealSeeker wrote:

@dragonball You can follow the suggestion given by @hese to close the accounts. However, I would advise you to not close your credit card account regardless of whether you use the credit card or not as closing it will negatively impact your credit score. Keeping your older credit card accounts alive maintains your “credit age” and keeps your “credit utilization ratio” low. Both of these things are important for a good credit score. Read the last para in the following post for relevant info: http://www.desidime.com/forums/hot-deals-online...


Also paying your credit card bill after the due date lowers your credit score. One should never go for settlement of credit card dues as they have to pay the remaining amount at a later date. If you have huge credit card written off dues or personal loan written off, then there will be a huge negative impact on your score.

Original
Deal Cadet
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@DealSeeker wrote:

@dragonball You can follow the suggestion given by @hese to close the accounts. However, I would advise you to not close your credit card account regardless of whether you use the credit card or not as closing it will negatively impact your credit score. Keeping your older credit card accounts alive maintains your “credit age” and keeps your “credit utilization ratio” low. Both of these things are important for a good credit score. Read the last para in the following post for relevant info: http://www.desidime.com/forums/hot-deals-online...


Citibank closes their credit cards on non usage for a period of time. https://cdn2.desidime.com/assets/textile-editor/icon_evil.gif Anyways its one of the worst banks for regular consumers.

Heavyball2 med 1
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@ontherocks wrote:

@DealSeeker wrote:

@dragonball You can follow the suggestion given by @hese to close the accounts. However, I would advise you to not close your credit card account regardless of whether you use the credit card or not as closing it will negatively impact your credit score. Keeping your older credit card accounts alive maintains your “credit age” and keeps your “credit utilization ratio” low. Both of these things are important for a good credit score. Read the last para in the following post for relevant info: http://www.desidime.com/forums/hot-deals-online...


Citibank closes their credit cards on non usage for a period of time. https://cdn2.desidime.com/assets/textile-editor/icon_evil.gif Anyways its one of the worst banks for regular consumers.

We are not talking about Citibank here. Happy weekend https://cdn1.desidime.com/assets/textile-editor/icon_biggrin.gif

Original
Deal Cadet
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@dragonball wrote:

@ontherocks wrote:

@DealSeeker wrote:

@dragonball You can follow the suggestion given by @hese to close the accounts. However, I would advise you to not close your credit card account regardless of whether you use the credit card or not as closing it will negatively impact your credit score. Keeping your older credit card accounts alive maintains your “credit age” and keeps your “credit utilization ratio” low. Both of these things are important for a good credit score. Read the last para in the following post for relevant info: http://www.desidime.com/forums/hot-deals-online...


Citibank closes their credit cards on non usage for a period of time. https://cdn2.desidime.com/assets/textile-editor/icon_evil.gif Anyways its one of the worst banks for regular consumers.

We are not talking about Citibank here. Happy weekend https://cdn1.desidime.com/assets/textile-editor/icon_biggrin.gif


FYI pe bhi dil pe chot lagi?

Draw
Deal Colonel
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These r the options to close Saving axx.

1. Same bank another city branch may accept to migrate the account { Scb to scb} or can be merged with an existing acc. (Only balance credit ) with loss of previous relationship.

2. Scb Ac. Of x city (only balance ) can be transforred to ABC bank of y city anywhere in India , without any charges . written application of the axx. To be sent to ABC bank (y) or x , any place, by courier or personally., along with passbook , chque book and debit card.

3. in case you r not having acc at y , them you have to submit revise KYC document and a new SB axx. Can be opened in you name.

4. Just FYI,
(This was followed in old days without ATM card, mostly for defence staff)

While the battalion moves from x place to y place, bank can close the acc and gives you pay order (or thr. Post) fvg. Y branch as chosen by acc. Holder. U can visit y branch and hand over the pay order for opening a new acc. At y.

(Still followed by govt. For pension account or claim payment etc. )

Pada
Deal Lieutenant
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i also wanted to close my sc bank account last month… had around -7500 balance https://cdn3.desidime.com/assets/textile-editor/icon_lol.gif they told me to send a written letter to close the account mentioning that u have destroyed the cheque book, debit card etc…. later they called me to tell me that the signature is not matching… they told me to send another letter and told me they have made my balance zero . i was happy and left the account as it is https://cdn1.desidime.com/assets/textile-editor/icon_biggrin.gif

Draw
Deal Colonel
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@karthi4052752 wrote:

i also wanted to close my sc bank account last month… had around -7500 balance https://cdn3.desidime.com/assets/textile-editor/icon_lol.gif they told me to send a written letter to close the account mentioning that u have destroyed the cheque book, debit card etc…. later they called me to tell me that the signature is not matching… they told me to send another letter and told me they have made my balance zero . i was happy and left the account as it is https://cdn1.desidime.com/assets/textile-editor/icon_biggrin.gif


It is better to close relationship asap like @eskimo
Else u may face Dolby sound through debit balance in credit history, although it will be harmless but protection is better than cure !

@Magus Anna.
@mahidada

Missing
Deal Cadet
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Call credit card helpline to close your cc and withdraw all your money from the SB account and destroy the debit card, that’s it.

Missing