{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"You can easily cancel your credit card in the ING app or in My ING at any time. Done in an instant.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Do I have to cancel my credit card if I want to apply for a mortgage?"},{"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"}]},{"componentType":"sectionTitle","title":"Good to know"},{"componentType":"paragraph","richBody":{"value":"<ul><li>After cancelling, you can no longer use your credit card.</li><li><p>After cancellation, your credit card will remain visible as active for a period of 30 days. This is necessary to settle any outstanding transactions and refunds, such as a reimbursement of any excess card fee paid or a compensation payment through the Credit card refund service.</p></li><li><p>Until the settlement process has been completed, it is <strong>not possible </strong>to close the linked current account.</p></li><li><p>Only the primary cardholder can cancel the credit card via My ING or the ING app.</p></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 within two business days.</li></ul>"}},{"componentType":"sectionTitle","title":"Cancel your credit card"},{"componentType":"paragraph","richBody":{"value":"<p>You can cancel your credit card in a few easy steps.</p><ol><li>Log in with your ING app or My ING </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>"},"textLinks":[{"text":"Cancel your credit card","url":"https://mijn.ing.nl/banking/mobile/creditcards/close-credit-card?EW=true"}]},{"componentType":"sectionTitle","title":"Frequently asked questions about cancelling a credit card"},{"accordionList":[{"richBody":{"value":"<p>When the primary 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 primary credit card is cancelled?"},{"richBody":{"value":"<p>If you pay your card fee annually, the amount refunded depends on how many months you have held the credit card, calculated from the month in which you paid the annual 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 your credit card.</p>"},"title":"I accidentally cancelled my credit card, can I undo this?"},{"richBody":{"value":"<p>If there is still an outstanding balance when you cancel your credit card, the amount will automatically be debited from your current account.</p><p><strong>Good to know:</strong> If you use Spread Payments and still have an outstanding balance to pay, this amount will be collected with the next credit card due date. Prefer to pay it straight away? Then you can indicate this when cancelling your credit card.</p>"},"title":"What happens to an outstanding balance when I cancel my credit card?"},{"richBody":{"value":"<p>Your cancelled credit card will remain visible in the ING App and My ING for 13 months. During this period, you can still view your transaction history, download statements and keep track of any refunds.</p><p>You can also transfer refunded amounts to your linked current account. This way, you maintain a clear overview, even after cancelling your credit card.</p>"},"title":"Why is my cancelled credit card still shown in my overview?"},{"richBody":{"value":"<p>A refund processed within one month after cancelling your credit card can still be credited to your credit card. For up to 13 months after cancelling your credit card, you can transfer the refunded amount to your linked current account.</p>"},"title":"Can I receive a refund on a cancelled credit card?"},{"richBody":{"value":"<p>If there is still a positive balance on your credit card when you cancel it, the amount will be refunded to your payment account within two business days.</p>"},"title":"What happens to a positive balance when I cancel my credit card?"},{"richBody":{"value":"<p>Yes, you can cancel an additional credit card and keep the primary credit card.</p>"},"title":"Can I cancel only an extra (additional) credit card?"}],"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 plans","url":"/en/personal/plans/4-compare-plans"}]}]},"hasMacro":false,"id":"df9bb5be-52f6-47fc-ae36-dd52e17acc0a","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Request a credit card","url":"/en/personal/payments/creditcards"}},"componentType":"productHeader","coreHeader":{"body":"We're sorry to see you go.","headerImage":{"altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/m/275f08de53da91a3/original/REAR-VIEW-OF-MAN-AND-WOMAN-SITTING-IN-OFFICE.jpg","publishedAt":"2020-03-30T00:00:00Z","transformBaseUrl":"https://assets.ing.com/transform/46869438-b0c8-4128-a41b-05aa170c454e/REAR-VIEW-OF-MAN-AND-WOMAN-SITTING-IN-OFFICE","type":"image","updatedAt":"2022-10-18T14:31:07Z","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"}},"usps":[{"body":"You can easily cancel it yourself in the ING app","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/asset/a55a819e-9048-4e0a-8bc9-0a1fff0b223a/Notification-Success_Outline.svg","publishedAt":"2022-07-04T15:01:59Z","transformBaseUrl":"https://assets.ing.com/transform/a55a819e-9048-4e0a-8bc9-0a1fff0b223a/Notification-Success_Outline","type":"image","updatedAt":"2023-12-21T20:25:32Z","width":32}},{"body":"Or in My ING","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/asset/a55a819e-9048-4e0a-8bc9-0a1fff0b223a/Notification-Success_Outline.svg","publishedAt":"2022-07-04T15:01:59Z","transformBaseUrl":"https://assets.ing.com/transform/a55a819e-9048-4e0a-8bc9-0a1fff0b223a/Notification-Success_Outline","type":"image","updatedAt":"2023-12-21T20:25:32Z","width":32}}],"uspsTitle":"How to close your credit card"},"publishDate":"2026-11-10T11:21:39.137+01:00"}}