How To Cancel Fortiva Credit Card
Published: November 3, 2023
Looking to cancel your Fortiva credit card? Our helpful guide explains step-by-step how to close your account easily and efficiently. Manage your finances with ease.
(Many of the links in this article redirect to a specific reviewed product. Your purchase of these products through affiliate links helps to generate commission for LiveWell, at no extra cost. Learn more)
Table of Contents
Canceling a Fortiva credit card can be a straightforward process when you have the right information and follow the necessary steps. Whether you’ve found a better credit card option or simply want to cut back on your credit card usage, canceling your Fortiva credit card ensures that you won’t incur any further charges or fees.
In this article, we will guide you through the steps to cancel your Fortiva credit card. From gathering the necessary information to contacting customer service and confirming the cancellation, we will provide you with a comprehensive walkthrough to make the process as smooth as possible.
Before we begin, it’s important to note that canceling a credit card should be done thoughtfully. Closing a credit card account may have an impact on your credit score and credit history. If you’re unsure whether canceling your Fortiva credit card is the right decision for you, it may be worth consulting with a financial advisor to evaluate your specific situation.
Now, let’s dive into the steps required to cancel your Fortiva credit card.
Step 1: Gather Necessary Information
Before proceeding with the cancellation process, it’s important to gather all the necessary information related to your Fortiva credit card. This includes:
- Your Fortiva credit card number: Locate your credit card and make a note of the card number. This information will be required when contacting customer service.
- Your personal identification information: Prepare your personal identification information, such as your full name, address, and social security number. This information may be needed for identity verification purposes during the cancellation process.
- Any outstanding balance: Take note of any outstanding balance on your Fortiva credit card. Make sure you have a plan in place to pay off any remaining balance before canceling the card.
- Automatic payments or recurring charges: Identify any automatic payments or recurring charges linked to your Fortiva credit card. It’s important to make alternative arrangements for these payments to avoid any disruptions.
- Rewards or benefits: If your Fortiva credit card offers any rewards or benefits, familiarize yourself with any redemption policies or expiration dates. Consider utilizing any remaining rewards before canceling the card.
By gathering all the necessary information beforehand, you’ll be well-prepared to initiate the cancellation process and address any potential concerns or questions that may arise.
Step 2: Contact Fortiva Customer Service
Once you have gathered all the necessary information, the next step is to get in touch with Fortiva customer service to initiate the cancellation process. You can reach out to them through the following methods:
- Phone: Call the Fortiva customer service at the provided phone number. Ensure that you have your credit card number and personal identification information at hand.
- Email: If you prefer written communication, you can send an email to the designated customer service email address. Make sure to include all the required details and your contact information for a prompt response.
- Website: Some credit card companies offer online chat support or a dedicated cancellation form on their website. Visit the Fortiva credit card website and look for any specific instructions on how to initiate the cancellation process.
When contacting Fortiva customer service, it’s important to be polite and clearly express your intention to cancel your credit card. Be prepared to answer any security questions or provide verification information to ensure the authenticity of your request.
If you are unable to reach a representative or experience any difficulties during the cancellation process, be persistent and try reaching out again. Remember to take notes of the date and time of your communications, as well as the names or ID numbers of the representatives you speak with.
Now that you have reached out to Fortiva customer service, you are one step closer to canceling your credit card. In the next step, we will guide you on how to request the actual cancellation.
Step 3: Request Card Cancellation
Once you have contacted Fortiva customer service, it’s time to formally request the cancellation of your Fortiva credit card. During this step, you will need to clearly communicate your intention to close the account. Here’s what you need to do:
- Identify yourself and your account: Provide your full name, account details, and any other required identification information to verify your identity.
- State your intention: Clearly state that you want to cancel your Fortiva credit card and close your account. Make sure to emphasize your decision and avoid any confusion.
- Discuss any outstanding balance: If you have any outstanding balance on your credit card, inquire about the best way to settle it. Depending on the situation, you may need to make a final payment or set up a repayment plan.
- Address automatic payments or recurring charges: Inform the customer service representative about any automatic payments or recurring charges that are linked to your Fortiva credit card. Discuss alternative payment methods or provide new account details so that these payments can continue uninterrupted.
- Ask for confirmation: Request a confirmation email or written confirmation of the cancellation. This will serve as proof that your card has been canceled and can be useful for future reference.
It’s important to remain calm and assertive during this conversation. Be prepared for possible offers or incentives to keep the card or switch to a different product. Evaluate these options carefully and consider whether they align with your financial goals before making a decision.
Once you have requested the cancellation of your Fortiva credit card, the representative will guide you through the remaining steps and provide any additional instructions or documentation that may be required. In the next step, we will discuss how to follow these instructions to complete the cancellation process.
Step 4: Follow the Instructions
After requesting the cancellation of your Fortiva credit card, the customer service representative will provide you with specific instructions to complete the process. It’s crucial to follow these instructions carefully to ensure a successful cancellation. Here are some common instructions you may receive:
- Return the physical card: In some cases, the issuer may request that you return the physical credit card. They may provide a prepaid mailing envelope or specific instructions on where to send the card. Follow these instructions to avoid any potential issues.
- Settle outstanding balance: If you have an outstanding balance on your Fortiva credit card, the representative may provide instructions on how to make the final payment. Make sure to settle any remaining balance to avoid any negative impact on your credit score.
- Confirm the cancellation in writing: Some credit card issuers require written confirmation of the cancellation. If this is the case, you may need to send a written request via mail or email to finalize the cancellation process. Follow the provided instructions and keep a copy of the correspondence for your records.
- Verify cancellation status: If you do not receive a confirmation of cancellation within the stated timeline, contact customer service to verify the status. Keep a record of your communications and request an update until you receive confirmation that your Fortiva credit card has been successfully canceled.
Adhering to the instructions provided by the customer service representative is crucial for a smooth and successful cancellation process. By following these instructions, you will ensure that your Fortiva credit card account is closed properly and any remaining obligations are fulfilled.
In the next step, we will discuss the importance of confirming the cancellation once all the steps have been completed.
Step 5: Confirm the Cancellation
Confirming the cancellation of your Fortiva credit card is an essential step to ensure that the process has been completed successfully. By confirming the cancellation, you can have peace of mind knowing that your account is closed and you won’t face any further charges or fees. Here’s what you should do:
- Monitor your credit card statements: After requesting the cancellation and following the provided instructions, continue to monitor your credit card statements. Ensure that no new charges or fees are being incurred. If you notice any unauthorized transactions or issues, contact Fortiva customer service immediately.
- Contact customer service for confirmation: Reach out to Fortiva customer service once again to confirm the cancellation of your credit card. Request a confirmation email or reference number that verifies the closure of your account. This documentation can be useful for resolving any future disputes or inquiries.
- Update your records: Update your financial records and budgeting tools to reflect the cancellation of your Fortiva credit card. This includes removing the card from any online payment accounts or recurring billing arrangements.
- Check your credit report: After a few weeks, review your credit report to ensure that the Fortiva credit card account is accurately closed. Look for any indication that the account is marked as “closed” or “canceled”. If you discover any discrepancies, contact the credit reporting agencies to correct the information.
By confirming the cancellation and taking the necessary steps to update your records, you can have confidence that your Fortiva credit card account is officially closed. This will give you the freedom to explore other credit card options or to manage your finances in a different way.
Remember that canceling a credit card may have an impact on your credit score, so it’s important to monitor your credit and continue to practice responsible financial habits moving forward.
Now that you have completed the steps to cancel your Fortiva credit card, let’s conclude our guide.
Cancelling a Fortiva credit card requires careful planning and following the necessary steps. By gathering the necessary information, contacting customer service, requesting the cancellation, following the provided instructions, and confirming the closure, you can successfully cancel your Fortiva credit card.
Remember that closing a credit card account should be done thoughtfully, as it may impact your credit history and score. Before deciding to cancel your Fortiva credit card, consider consulting with a financial advisor to evaluate your specific situation.
Throughout the cancellation process, it’s essential to maintain clear communication with Fortiva customer service, provide all required information, and adhere to any instructions provided. By doing so, you can ensure a smooth and hassle-free cancellation experience.
Once your Fortiva credit card is officially cancelled, it’s important to monitor your credit, update your financial records, and continue practicing responsible financial habits. Regularly review your credit card statements and credit report to ensure that the cancellation has been accurately reflected.
Remember, cancelling a credit card is a personal decision, and it’s important to consider your financial goals and needs before making the final decision. If you decide to proceed with the cancellation, following the steps outlined in this guide will help you navigate the process with confidence.
Thank you for reading our guide on how to cancel a Fortiva credit card. We hope this information has been valuable and will assist you in successfully closing your credit card account.