How to Cancel an American Eagle Credit Card: A Step-by-Step Guide

Hannah Locklear | September 06, 2023

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Canceling your American Eagle credit card is simple. Be sure to evaluate your reason for canceling, pay off your remaining balance, and use any renaming rewards before you cancel. Then, contact customer service, confirm the cancellation, and check your credit report when all is said and done.

If you've decided that you no longer need your American Eagle credit card, whether because you want to simplify your finances, cut down on high-interest payments, or any other reason, you're probably wondering how to go about canceling it. Canceling a credit card can seem like a daunting task, but it doesn't have to be. In this blog post, we'll guide you through the step-by-step process to cancel your American Eagle credit card with ease.

Disclaimer: Before proceeding with the cancellation, be aware that closing a credit card account may have an impact on your credit score. Always consult with financial advisors or credit experts to understand the implications.

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Follow these steps to cancel your American Eagle credit card

Step 1: Evaluate your situation

Before making the decision to cancel your American Eagle credit card, take a moment to consider why you're doing it. Are you trying to lower your debt? Do you have too many cards? Your reasons will guide you through the rest of the process.

Step 2: Pay off your balance

If you have an outstanding balance on the card, it’s crucial to pay it off in full. You can't cancel a card with a remaining balance. You may pay it off via online banking, by check, or by calling the American Eagle credit card customer service.

Step 3: Redeem any remaining rewards

If you have any rewards or points accrued, redeem them before you cancel the card. Once the card is canceled, you'll likely lose any unused rewards.

Step 4: Contact customer service

Once your card balance is zero, and you've redeemed your rewards, it's time to make the cancellation request. You'll need to call the American Eagle credit card customer service line to do this. The number is typically printed on the back of your credit card.

When speaking to a customer service representative, clearly state that you want to cancel your card. They may ask you questions about why you're canceling and may even offer you incentives to keep the card open.

Here is the phone number the American Eagle Real Rewards Visa Credit Card:
1-866-913-6765

Step 5: Confirm the cancellation

After the phone call, ask for a confirmation of your account cancellation in writing. This document will serve as evidence that you've closed the account and can come in handy in case there are any discrepancies later on.

Step 6: Check your credit report

Wait a few weeks and then check your credit report to confirm that the account shows as "Closed" or "Account Closed at Consumer's Request." If it does not, contact the credit card company again to make sure the account was closed.

Additional tips

  • Keep Records: Always keep records of your interactions with customer service including dates, times, and what was discussed.
  • Destroy the Card: Once your account is confirmed as closed, destroy the physical card for your own security.
  • Check for Recurring Payments: Make sure you've switched any recurring payments linked to the card to a different payment method to avoid inconveniences or late fees.

The bottom line

Canceling your American Eagle credit card is a straightforward process, but it does require attention to detail. Always make sure to consult with financial advisors and consider the implications for your credit score. Follow the steps mentioned above carefully to ensure a hassle-free cancellation experience.

Remember, financial wellness is an ongoing process, and keeping track of your credit accounts is an essential part of it. Happy financing!

Respond to a credit card debt lawsuit

If you’re being sued for credit card debt, it’s important to take action.

You should have received court documents (typically known as the Summons and Complaint) notifying you of the case. It is your responsibility to draft and file an Answer to these documents before your state deadline.

Here are some tips and tricks to help you respond to your credit card debt lawsuit:

  1. Keep your Answer brief.
  2. Deny as many claims as possible.
  3. Add your affirmative defenses.
  4. Use standard formatting and style.
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  6. Sign the Answer document.

To learn more about these six tips, check out this blog post or watch the following video:

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If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

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Bankruptcy is a great way to legally resolve debt, but it's usually best to consider it as a last resort. Here are some bankruptcy guides to help you decide which debt resolution option is best for you.

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Stop collection calls

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Wage garnishment

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in your state, plus other wage garnishment resources.

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