If you possess an Academy Credit Card and are contemplating canceling it, this blog post will provide you with step-by-step instructions. It is crucial to comprehend that canceling a credit card can have an impact on your credit score and potentially result in the forfeiture of any associated rewards. Credit cards can serve as a valuable financial tool, but it is essential to manage them responsibly to avoid accumulating unwanted debt.

Things To Consider Before Canceling Your Academy Credit Card

Take into account the following factors before deciding to cancel your Academy Credit Card:

• Impact on Credit Score: Cancelling a credit card can have a negative impact on your credit score. This is because it can increase your credit utilization ratio and decrease the average age of your credit accounts.

• Forfeiture of Rewards: If you have accumulated any rewards or points with the card, cancelling it may result in losing them. It is advisable to redeem them before proceeding with the cancellation.

• Settle Outstanding Balance: Prior to cancelling the card, make sure you have paid off the remaining balance in full. If you cancel the card with an outstanding balance, you will still be obligated to repay it.

Also Read: How To Cancel Best Buy Credit Card

Steps to Cancel Your Academy Credit Card

• Prepare for the Call: Ensure you have all necessary information on hand before contacting to cancel your card, such as your card number, personal identification details, and specific reasons for cancellation.

• Make the Call: Dial the customer service number for the Academy Credit Card at 1-877-321-85091, which can be found on the back of your credit card or on your monthly statement.

• Request Cancellation: Clearly communicate your desire to cancel your card when speaking with a customer service representative, and be ready to provide reasons for your decision if asked.

• Follow Instructions: Pay close attention to the guidance provided by the representative during the cancellation process to ensure that your card is canceled accurately.

• Confirmation: Following the call, you should receive confirmation of your card cancellation. It is advisable to retain this confirmation for your records in case any issues arise in the future.

Also Read: How To Cancel TJ Maxx Credit Card

Contact Customer Service

• The Academy Credit Card customer service can be contacted at 1-877-321-85091, which is conveniently provided on the back of your credit card and monthly statement.

• For any inquiries or concerns regarding your card, the customer service team at Academy Credit Card is readily available to assist you.

• Reach out to the Academy Credit Card customer service at 1-877-321-85091 for any questions or concerns you may have about your card, as this number is also conveniently located on the back of your credit card and on your monthly statement.

Contact details of Academy credit card

Information	Details
Customer Support Phone	(877) 321-8509
Customer Support email	[email protected]
Mail address	Comenity Capital Bank, P.O. Box 183003, Columbus, OH 43218-3003
Official website	https://www.academy.com/help/academy-credit-card

How to Cancel via Phone

• Dial the customer service number 1-877-321-85091 to cancel your Academy Credit Card over the phone.

• Inform the representative that you would like to cancel your card once you are connected.

• Follow the guidance provided by the representative to complete the cancellation process.

How to Cancel via Email

• To cancel your card, contact customer service through the email address linked to your account.

• Include your card number and personal identification information for verification.

• There is no dedicated email address for card cancellation, so reach out to customer service for assistance.

Also Read: How To Cancel Citi Credit Card

How to Cancel through Customer Support

• Cancel your Academy Credit Card through customer support for assistance.

• Utilize the online chat feature for a quick way to contact Academy Customer Service.

• Manage your current account conveniently online.

Cancellation Policy of Academy Credit Card

Please be aware that if you decide to cancel your Academy Credit Card, it is important to note that you will still be responsible for any remaining balance. The act of canceling can have an impact on your credit score, as it may increase your credit utilization ratio and decrease the average age of your credit accounts.

Furthermore, you may also lose any rewards that have not been redeemed. It is highly recommended that you seek advice from a financial advisor or conduct thorough research before finalizing such decisions.

In addition, it is advisable to reach out to the card issuer before proceeding with the cancellation. They may provide alternative options such as lowering your interest rate or adjusting your credit limit. Additionally, make sure to redeem any outstanding rewards, as they may be forfeited upon cancellation. Always bear in mind that financial choices like these should be made after careful consideration.

Also Read: How To Cancel Kohl’s Credit Card

Alternatives of Academy Credit Card

There are various alternatives to the Academy Credit Card that you may want to explore. Some of these options are:

• Citi Double Cash Card: This card provides a consistent 2% cash back on all purchases – 1% when purchases are made and another 1% when they are paid off.

• Discover it Cash Back: This card offers cash back rewards on purchases.

• Capital One Bass Pro Shops CLUB Credit Card: This card provides rewards for purchases made at Bass Pro Shops.

Conclusion

In conclusion, canceling your Academy Credit Card can be a straightforward process, but remember to weigh the potential consequences. Cancellation may impact your credit score and forfeit any rewards. Before proceeding, consider contacting customer service (1-877-321-8509) to explore alternative options or redeem rewards. Once you’ve decided, initiate cancellation by phone, though there’s no dedicated email option.

Remember to settle your balance and request confirmation. Explore alternative credit cards like Citi Double Cash or Discover it Cash Back to find the best fit for your spending habits. Make informed financial decisions by carefully considering all factors before canceling your Academy Credit Card.

FAQs

How can I cancel my credit card online?

To cancel your credit card online, visit the bank’s website, fill up the form to submit an online request. A representative from the bank will call to confirm your cancellation request.

Can Canceling a Credit Card Hurt your credit?

Cancelling a credit card can indeed hurt your credit score by impacting your credit utilization ratio and age of credit history.

Can I immediately cancel my credit card?

Yes, you can immediately cancel your credit card, but ensure all balances are cleared to avoid complications.