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How to Cancel a BMO Credit Card: Your Comprehensive Guide

The Bank of Montreal (BMO) offers a range of credit cards with diverse features suited to different lifestyles. However, there might come a time when you need to cancel your BMO credit card. The cancellation process may seem daunting, but rest assured, it can be very straightforward. Here, we look at three avenues to cancel your BMO credit card: online banking, the mobile application, and by calling customer service.

Canceling BMO Credit Card Through Online Banking

Cancelling your BMO credit card through online banking is an efficient option. To start, you’ll need your online banking login details:

• Visit the official BMO website.
• Enter your login credentials and access your account.
• Go to ‘My Accounts’ and select ‘Credit Cards’.
• Choose the card you wish to cancel.
• Click on ‘More Actions’ and follow the prompts to cancel the card.

Remember, it’s important to pay off any outstanding balance and ensure no active subscriptions are linked to your card before canceling.

Canceling BMO Credit Card Through the Mobile App

If you're more of a smartphone guru, you can also cancel your BMO credit card using the BMO Mobile Banking App. Here are the steps:

• Download and install the BMO Mobile app from Google Play Store or Apple App Store.
• Login to your account using your credentials.
• Navigate to ‘Accounts’ and select ‘Credit Cards’.
• Select the card you wish to cancel.
• Go to 'Card Management' and look for the cancellation option.

As with online banking, ensure to check for any remaining balance or recurring subscriptions before proceeding with the cancellation.

Canceling BMO Credit Card by Calling Customer Service.

For those who prefer a more personal touch or need assistance, reaching out to BMO's customer service would be your best option. You’ll need to prepare your card details and answer some security questions for identification purposes:

• Call BMO’s customer service number at 1-800-263-2263.
• When connected, select the appropriate options for ‘Credit Card’ and ‘Cancellation’.
• Provide necessary card details and confirm your identity when asked.
• Verbally request the cancellation of your credit card and follow any additional instructions given by the customer service representative.

In conclusion, cancelling a BMO credit card can be done without much strain. Decide which method suits your needs and follow through for a hassle-free cancellation experience. Remember, never cancel a card with an outstanding balance or active subscriptions. Always make sure to pay off or transfer any remaining balances before cancellation.

Before you cancel, consider speaking with an advisor about any implications it may have on your credit score or if there are alternative card options that may better suit your needs.