What To Know
- Closing a credit card can be a hassle, but it doesn’t have to be.
- Once your account is closed, your credit limit will be removed, and you will no longer be able to use the card.
- Closing a credit card can have a small impact on your credit score.
Closing a credit card can be a hassle, but it doesn’t have to be. If you’re ready to part ways with your Southwest credit card, follow these simple steps to ensure a smooth transition.
Why Close Your Southwest Credit Card?
There are several reasons why you might want to close your Southwest credit card. Perhaps you’re no longer flying Southwest often, or maybe you’ve found a better card with more perks. Whatever the reason, closing your card can help you simplify your finances and avoid unnecessary fees.
How to Close Your Southwest Credit Card Over the Phone
1. Call the Southwest Customer Service line at 1-800-435-9792.
2. Provide your account number and personal information to verify your identity.
3. Inform the representative that you wish to close your account.
4. Answer any questions the representative may have about your decision.
5. Confirm the account closure and request a confirmation number.
How to Close Your Southwest Credit Card Online
1. Log in to your Southwest Rapid Rewards account.
2. Click on “My Profile” and then “My Credit Cards.”
3. Select the card you wish to close.
4. Click on the “Close Account” button.
5. Confirm your decision and follow the on-screen instructions.
How to Close Your Southwest Credit Card by Mail
1. Write a letter to Southwest Customer Service at P.O. Box 49201, Dallas, TX 75249.
2. Include your account number, personal information, and a brief explanation of why you’re closing your account.
3. Sign the letter and mail it to the provided address.
What Happens When You Close Your Southwest Credit Card?
Once your account is closed, your credit limit will be removed, and you will no longer be able to use the card. Any outstanding balance must be paid in full. If you have any rewards points, they will expire 90 days after the account is closed.
How to Avoid Credit Damage When Closing Your Southwest Credit Card
Closing a credit card can have a small impact on your credit score. To minimize the damage, consider the following tips:
- Keep your other credit cards open and active.
- Pay down your balances to maintain a low credit utilization ratio.
- Avoid opening new credit accounts in a short period of time.
What to Do After Closing Your Southwest Credit Card
After your account is closed, it’s important to take the following steps:
- Destroy your credit card to prevent unauthorized use.
- Monitor your credit report to ensure the account has been closed properly.
- Consider opening a new credit card if you need to build or maintain your credit.
Frequently Asked Questions
Q: Can I close my Southwest credit card if I have an outstanding balance?
A: No, you must pay off your balance in full before closing your account.
Q: What happens to my rewards points when I close my account?
A: Rewards points will expire 90 days after your account is closed.
Q: How long does it take for my account to be closed?
A: Account closures typically take 3-5 business days to process.
Q: Can I reopen my Southwest credit card after it’s been closed?
A: Yes, but you will need to apply for a new card.
Q: What should I do if I lose my Southwest credit card before closing my account?
A: Report the lost card to Southwest Customer Service immediately to prevent unauthorized use.
