{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"You can easily cancel your Credit card, Platinum card or Student Credit card in My ING at any time. Done in an instant.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"<p>No, that’s not necessary if you’ve chosen to pay your monthly balance in full. Your credit card won’t be registered with the Central Credit Registration Office (BKR) in that case.</p><p>If you’ve chosen to spread your payments, you can switch from that to paying your monthly balance in full so that you don’t have to cancel your credit card.</p>"},"textLinks":[{"text":"Cancel spread payments","url":"/en/personal/payments/creditcards/spread-payments"}],"title":"Do I have to cancel my credit card if I want to apply for a mortgage?"},{"componentType":"paragraph","richBody":{"value":"<ul><li>After cancelling, you can no longer use your credit card.</li><li>Any outstanding balance will be collected from your current account.</li><li>If you cancel your credit card before the end of your annual billing period, the rest of your annual fee will be refunded. And if you have a credit balance, you’ll get that back too within two business days.</li></ul>"},"title":"Good to know"},{"componentType":"paragraph","richBody":{"value":"<p>You can cancel your credit card in a few easy steps.</p><ol><li><a href=\"https://mijn.ing.nl/banking/mobile/creditcards/close-credit-card?EW=true\">Log in with your ING App or My ING</a> (it’ll take you straight to the right place)</li><li>In your overview, select the menu icon next to &apos;Credit cards&apos;</li><li>Select the credit card and choose ‘Cancel’</li></ol>"},"title":"Cancel in My ING"},{"componentType":"sectionTitle","title":"Frequently asked questions about cancelling a credit card"},{"accordionList":[{"richBody":{"value":"<p>When the original credit card is closed, all linked extra credit cards are also cancelled. It is not possible to retain the extra card.</p>"},"title":"Can I keep the extra credit card if the original credit card is cancelled?"},{"richBody":{"value":"<p>Are you applying for a mortgage and do you have a credit card? Then you do not need to cancel it. However, it is good to check what type of credit card you have.</p><ul><li>If you pay off your expenses in full each month on the due date, you have a credit card that is not registered with BKR, and you do not need to do anything.</li><li>If you have a credit card with installment payments, where you pay back 5% of the outstanding amount each month (with a minimum of €45), this is a form of revolving credit and is registered with BKR. You can easily cancel the installment payment option separately via the ING App or Mijn ING.</li><li>It is no longer possible to apply for installment payments.</li></ul>"},"title":"Do I need to cancel my credit card for a mortgage application?"},{"richBody":{"value":"<p>After cancelling the credit card, the card fee will be refunded to your credit card account within 2 working days. You can withdraw this amount from your credit card overview. After that, the amount will be immediately available in your payment account.</p>"},"title":"I did not receive the card fee refund after cancelling my credit card"},{"richBody":{"value":"<p>he card fee is charged to your credit card one month after application. For example, if you applied for a credit card on April 16, you will pay the card fee on May 16. The next annual card fee will be charged on May 16 the following year.<br />The card fee is not charged in all cases; this depends on the type of payment package you have. The amount of the card fee also depends on the type of credit card and whether you have extra credit cards. You can view the rates on <a href=\"https://www.ing.nl/en/personal/payments/rates/credit-cards\">this page</a>.</p>"},"title":"When do I pay the card fee for my credit card?"},{"richBody":{"value":"<p>The refund you receive depends on the number of months you have had the credit card, with the reference date being the month in which you paid the card fee. For example, if you paid the card fee in June and cancelled the credit card in August, you will receive a partial refund.</p>"},"title":"How is the refund of my card fee calculated?"},{"richBody":{"value":"<p>Unfortunately, this is not possible. Once a credit card is cancelled, it cannot be undone. However, you can apply for a new credit card. <strong>Note</strong>: If there was still an outstanding amount on your credit card, you can apply for a new credit card once the payment from your old credit card has been processed. Check here for the <a href=\"https://www.ing.nl/en/personal/payments/creditcards/credit-card-due-date\">payment dates</a> of the Creditcard and Platinumcard.</p>"},"title":"I accidentally cancelled my credit card, can I undo this?"}],"componentType":"accordion"},{"componentType":"linkList","iconTitle":{"title":"More information"},"textLinks":[{"text":"More about your credit card","url":"/en/personal/payments/creditcards"},{"text":"Cancel spread payments","url":"/en/personal/payments/creditcards/spread-payments"}]},{"componentType":"linkList","iconTitle":{"title":"Payments"},"textLinks":[{"text":"Bank accounts","url":"/en/personal/payments/bank-accounts"},{"text":"Mobile payments","url":"/en/personal/payments/pay-with-your-phone"},{"text":"Transfer money","url":"/en/personal/payments/money-transfers"},{"text":"Credit cards","url":"/en/personal/payments/creditcards"},{"text":"Debit cards","url":"/en/personal/payments/debit-cards"},{"text":"Cash","url":"/en/personal/payments/cash"},{"text":"Payments abroad","url":"/en/personal/payments/payments-abroad"},{"text":"Switch from your current bank to ING","url":"/en/personal/payments/switch-to-ing"},{"text":"Payment product rates overview","url":"/en/personal/payments/rates"},{"text":"Compare packages","url":"/particulier/betalen/bankrekeningen/pakketvergelijken"}]}]},"hasMacro":false,"id":"df9bb5be-52f6-47fc-ae36-dd52e17acc0a","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Apply for a credit card","url":"/en/personal/payments/creditcards"}},"componentType":"productHeader","coreHeader":{"body":"We're sorry to see you go. If you no longer want your credit card, you can easily cancel it yourself in My ING. Done in an instant.","headerImage":{"altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/m/275f08de53da91a3/original/REAR-VIEW-OF-MAN-AND-WOMAN-SITTING-IN-OFFICE.jpg","transformBaseUrl":"https://assets.ing.com/transform/46869438-b0c8-4128-a41b-05aa170c454e/REAR-VIEW-OF-MAN-AND-WOMAN-SITTING-IN-OFFICE","type":"image","width":5700},"title":"Cancel your credit card"},"cta":{"componentType":"cta","textLink":{"text":"Cancel Credit Card","url":"https://mijn.ing.nl/banking/mobile/creditcards/close-credit-card?EW=true"}}},"publishDate":"2026-03-26T15:50:53.354+01:00"}}