Post Office credit card account closure

Skloz

Hi Everyone!

I'm really having trouble trying to close my Post Office credit card account that I opened in 2016.

I'm looking to get a mortgage next year so need to sort out my credit report. I have had 2 more credit cards since Post Office credit card so don't want to look like I have too much available credit.

I previously cut my card up and didn't think anything else of it (I know, stupid! :eek:)

I also forgot my log in to the account online so I have been locked out. I rang the customer services line and they are asking for the long credit card number... But no longer know this as i've cut it up!!

They said they cannot help me without the number - and as I can't log in to my account I have no way of knowing.

Has anyone else had this problem? Or does anyone know if there is another way I can prove I'm the card holder? The person on the phone wasn't any help!

[Deleted User]

Do a SAR and see what that reveals - although they may ask for more security questions you can't answer.

However, if you're planning on applying for a mortgage, I would keep it open and ask for a new card, or you'll be down to just two cards.

Vortigern

Find the telephone number for reporting lost or stolen cards.
Tell them you've lost your card.
They won't expect you to remember the 16 digit number, but will ID you by date of birth and address.
They should then send a new card to your address.
Now you have the card number. Simple?

Skloz

Thank you, I tried this and it worked! Can't believe I didn't think of this! :rotfl: Thanks

Ben8282

Now that you will receive your replacement card soon perhaps you should reconsider if you actually want to close the account. The reason stated is not really valid. Of course, if you really don't want this card and have no intention of ever using it then by all means go ahead and cancel it but reducing the amount of available credit prior to your mortgage application doesn't really make sense. Reduce credit card balances and debt yes. Reduce available credit no.

blue.peter

Skloz wrote: »

(I) don't want to look like I have too much available credit.

I'm not at all convinced that this is logical. Having a high credit limit but not using it looks good to lenders - it indicates that you're not desperate for credit. If it was me, I'd be inclined to keep the unused credit card, even if it remains unused.

Have you joined the MSE Credit Club? It's free, and gives an interesting indication of the way that potential lenders see you. You might find it helpful.

I have what I consider a massive credit limit (over £25,000, across three credit cards*), but my outstanding debt is almost never over £1,000 because I pay it off in full each month. My Experian credit score is the maximum 999. Obviously, there are other relevant factors, but I think this shows that having a high credit limit is not a negative point.





*One of those credit cards has never been used (it's a long story), but I made the conscious decision to keep it and not to close the account. Mind you, I know that the bank in question has recorded it as "dormant", and I'm expecting that the account will be closed when the card expires.