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

Hannah Locklear | September 06, 2023

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.

Are you being sued for credit card debt? Use SoloSettle to settle your debts for good.

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.

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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.

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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.
5. Include a certificate of service.
6. Sign the Answer document.

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

SoloSuit can help you with each of these six tips and more. Our software makes it easy for you to draft and file an Answer to your case so that you can represent yourself in court, save the steep cost of hiring an attorney, and increase your chances of winning. We can also help you settle your debt before your court date and clear your name of the debt forever.

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.

• Alabama
• Alaska
• Arizona
• Arkansas
• California
• Colorado
• Connecticut
• Delaware
• Florida
• Georgia
• Hawaii
• Idaho
• Illinois
• Indiana
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• Rhode Island
• South Carolina
• South Dakota
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• Texas
• Utah
• Vermont
• Virginia
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• West Virginia
• Wisconsin
• Wyoming

Guides on how to beat every debt collector

Being sued by a different debt collector? Were making guides on how to beat each one.

• Absolute Resolutions Investments LLC
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• Alliance One
• Amcol Clmbia
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• Freshview Solutions
• Fulton Friedman & Gullace LLP
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• Howard Lee Schiff
• Hudson & Keyse LLC
• Integras Capital Recovery LLC
• Javitch Block
• Jefferson Capital Systems LLC
• LVNV Funding
• Mannbracken
• Mariner Finance
• Medicredit
• Michael J Adams PC
• Michael J Scott
• Midland Funding LLC
• Mullooly, Jeffrey, Rooney & Flynn
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• MRS Associates
• National Collegiate Trust
• Nationstar Foreclosure
• Northstar Capital Acquisition
• NCEP LLC
• NRC Collection Agency
• OneMain Financial
• Palisades Collection LLC
• Pallida LLC
• Paragon Revenue Group
• Pinnacle Collections Agency
• PMAB LLC
• Portfolio Recovery Associates
• Provest Law
• PYOD LLC
• Reunion Student Loan Finance Corporation
• Revenue Group
• Regents and Associates
• RSIEH
• Salander Enterprises LLC
• Second Round Sub LLC
• Security Credit Services
• Sherman Financial Group
• Suttell and Hammer
• T-Mobile
• Transworld Systems
• Tulsa Teachers Credit Union
• UCB Collection
• Velo Law Office
• Velocity Investments
• Waypoint Resource Group
• Weinberg and Associates
• Wolpoff & Abramson

Win against credit card companies

Is your credit card company suing you? Learn how you can beat each one.

• Bank of America
• Capital One
• Chase
• Credit One Bank
• PayPal Synchrony Card
• SYNCB/PPEXTR
• Synchrony Bank
• Target National Bank
• Wells Fargo

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