How To Cancel Rue21 Credit Card

Rue21, a well-known specialty retailer in the United States, offers a wide range of trendy clothing and accessories. In addition to their fashionable products, Rue21 also provides customers with the option to obtain a store credit card. This credit card allows customers to make purchases on credit and pay for them at a later time, often with added benefits such as discounts or reward points.

However, there may come a point when you no longer have a need for or desire to keep your Rue21 credit card. Whether it is due to high interest rates, better credit card offers, or simply a desire to reduce the number of credit cards you possess, canceling your Rue21 credit card can be a prudent financial decision. This blog post aims to assist you in the process of canceling your Rue21 credit card by providing a few straightforward steps.

How To Close rue21 credit card?

Follow these steps for smooth cancellation of your rue21 credit card:

Pay Off Your Balance:

• Verify your balance: Sign in to your Rue21 credit card account online to verify your current balance.

• Submit a payment: If you have an unpaid balance, submit a payment to settle it. Keep in mind that you cannot close a card with an unpaid balance.

• Allow time for payment processing: Your payment may take a couple of business days to process, so remember to check back to ensure your balance is cleared.

• Review for any pending charges: Confirm that there are no pending charges that might raise your balance after you have submitted your payment.

Redeem Any Remaining Rewards:

• Verify rewards: Access your Rue21 credit card account and verify if there are any remaining rewards or points.

• Utilize rewards: If you have rewards, make use of them. It is important to note that these rewards may be forfeited if you cancel your card.

• Make a wise selection: When redeeming your rewards, select something that you will find useful and enjoyable.

• Confirm redemption: Ensure that you receive a confirmation for the redemption of your rewards.

Things to Consider Before Cancelling Rue21 Credit Card:

• Verify your balance: Make sure to settle any remaining balance on your card before proceeding with cancellation.

• Utilize any available rewards: Prior to cancelling your card, make sure to redeem any rewards that are still available.

• Evaluate the effect on your credit score: Keep in mind that cancelling a credit card can have an impact on your credit score. If you are uncertain about the consequences, it is advisable to seek guidance from a financial advisor.

• Secure alternative payment methods: Ensure that you have alternative means of payment in place after cancelling your Rue21 credit card.

Contact Rue21 Customer Service:

• Locate contact information: Find the customer service number on the back of your Rue21 credit card or on your monthly statement.

• Contact customer service: Call the number and inform the representative that you wish to cancel your card.

• Verify identity: Be prepared to answer security questions to verify your identity.

• Submit cancellation request: Once your identity is confirmed, proceed to request the cancellation of your card.

Also Read: How To Cancel Capital One Credit Card

Contact details:

How to Cancel via Phone:

• Locate contact information: Refer to the back of your Rue21 credit card or your monthly statement to find the customer service number.

• Contact customer service: Dial the provided number and inform the representative about your intention to cancel your card.

• Provide security answers: It is probable that you will be required to answer a series of security questions to verify your identity.

• Submit cancellation request: After your identity is verified, proceed to request the cancellation of your credit card.

How to Cancel via Email:

• Draft an email: Draft a concise and clear email expressing your desire to cancel your Rue21 credit card.

• Provide essential information: Remember to include your name, the last four digits of your card number for security purposes, and a brief explanation for the cancellation.

• Send to the appropriate email address: Forward your email to the customer service email address specified by Rue21.

• Await a reply: Monitor your email for a confirmation response regarding the cancellation.

How to Cancel through Customer Support:

• Visit the Rue21 website and go to the customer support page.

• Locate the cancellation option for your credit card.

• Follow the provided instructions to cancel your card.

• Ensure that you receive a confirmation message or email indicating that your card has been successfully canceled.

Cancellation Policy of Rue21 Credit Card:

• No cancellation charges: Rue21 does not impose any fees for canceling your credit card.

• Complete payment necessary: Prior to canceling your card, you are required to settle your entire outstanding balance.

• Forfeiture of rewards: Any rewards that have not been redeemed will be forfeited upon cancellation.

• Credit report implications: The cancellation will be recorded in your credit report.

Alternatives of Rue21 Credit Card:

• Bank credit cards: The majority of banks provide credit cards with attractive interest rates and rewards schemes.

• Store cards: Various retailers provide store cards that offer benefits comparable to the Rue21 credit card.

• Prepaid cards: Opting for prepaid cards can be a wise choice if you aim to steer clear of accumulating debt.

• Debit cards: With debit cards, you can conveniently make purchases directly from your bank account without relying on credit.

Rue21 offers a branded credit card for shopping at its stores, but there are several alternatives if you’re looking for different benefits or wider usage. General-purpose credit cards, such as Visa, MasterCard, American Express, or Discover, can be used at Rue21 and a wide range of other retailers, offering more flexibility. Store cards from other fashion retailers might also be appealing, providing similar discounts, rewards, and promotional offers as the Rue21 credit card but in different shopping contexts.

Follow Up on Your Cancellation:

• Wait for verification: Rue21 will send you a confirmation email or letter regarding the cancellation of your card.

• Review your credit report: A few weeks later, review your credit report to confirm that the account has been closed.

• Address any discrepancies: If the card is still active on your report, reach out to Rue21 to address the issue.

• Maintain documentation: Keep all records and confirmation numbers associated with the cancellation of your card for future use.

Conclusion:

Closing your Rue21 credit card can be empowering when done meticulously. Ensure your balance is zero, rewards redeemed, and alternative payment methods secured. Cancel seamlessly by phone, email, or online, verifying confirmation. Monitor your credit report and keep cancellation records. With this guide and a proactive approach, you can confidently say goodbye to your Rue21 card and hello to a financial future that aligns with your needs.

Also Read: How To Cancel Navy Federal Credit Card

FAQs:

How do I cancel my rue21 card? 

To manage your rue21 REWARDS Credit Card account, you can either visit comenity.net/rue21 or contact the Comenity Customer Care Center at 1-855-546-9546 (TDD/TTY 1-888-819-1918). Alternatively, you can also visit rue21.com to manage your rue21 REWARDS account.

Can you cancel a card online?

The most reliable method to close your credit card account is by contacting the customer service department of your credit card issuer. While most credit card companies do not offer an online option to cancel your account, a few major issuers do provide this facility.

Does canceling a credit card hurt your credit?

Closing a credit card can result in an increase in your credit utilization ratio, which represents the proportion of credit you are utilizing in relation to your overall available credit. Additionally, it may result in a decrease in your average age of credit and a reduction in the number of credit accounts you possess. Consequently, this could potentially cause a decline in your credit score.