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How to Close Your BMO Credit Card: A Comprehensive Guide

Closing your Bank of Montreal (BMO) credit card can be a daunting task if you are unfamiliar with the process. Whether you are looking to simplify your personal finances or switch to another credit card provider, this step-by-step guide on closing a BMO credit card via various methods such as online banking, mobile app, or through a phone call to customer service will be an invaluable resource.

Method 1: Closing Your BMO Credit Card Online

BMO's online banking portal is easy to navigate, allowing you to close your credit card flawlessly. Here is the step-by-step guide:

• First, log in to your BMO online banking account
• Go to the “Customer Services” tab
• Select “Manage My Accounts”
• Click on “Close an Account”
• Follow the prompts to close your credit card

Remember, before closing your card, ensure all outstanding debts are cleared to avoid potential complications.

Method 2: Using the BMO Mobile App

Customers who value mobility might prefer to use the BMO mobile app. The app enables smooth and convenient banking operations, including account closure. Follow these simple steps to close your BMO credit card:

• Open the BMO Mobile App on your phone
• Login into your account
• Tap on the menu icon
• Select “Manage Accounts”
• Tap on your credit card
• Select “Close Account” and follow the on-screen instructions

Keep in mind, you can only close your account through the app if your balance is zero.

Method 3: Calling BMO Customer Service

If you prefer a more personalized method, or just want to ask some questions before closing your credit card, then calling BMO’s customer service is your best bet. Here’s how:

• Dial 1-800-263-2263, which is BMO’s customer service hotline
• Follow the automated prompts to speak to a representative
• Explain that you want to close your credit card

The customer service representative will guide you through the process, ensuring all your concerns are addressed.

Conclusion

Before closing your BMO credit card, always ensure you have paid off your balance, considered the impact on your credit score, and have another method of payment ready. Using an online banking portal, mobile app, or making a phone call are all valid and efficient methods to close your credit card account. Choose the one that is most convenient for you and follow the steps highlighted in this guide to have a comfortable, drama-free closure.