You can cancel a Best Buy credit card (issued by Citi) by paying the balance to $0, then contacting customer service to ask that the account be closed and getting written confirmation of closure. Doing it in the right order helps you avoid surprise interest, fees, or lingering charges.

Quick Scoop

  • Make sure your balance is fully paid off (including any pending or recent charges).
  • Call Best Buy/Citi card customer service and request to close the account.
  • Ask for written or email confirmation that the account is closed.
  • Then destroy the physical card and monitor your credit report for the “closed” status.

Step‑by‑step: How to cancel

  1. Pay your balance in full
    • Bring your Best Buy credit card balance to $0 , including purchases, interest, and any fees.
 * Check your most recent and current statements to be sure no small leftover charge is hanging around.
  1. Confirm no pending charges
    • Look for pending transactions in your online account and wait for them to post and be paid before closing.
 * For issues with a pending payment, you may need to contact customer service to dispute or cancel it under their policies.
  1. Contact customer service to close
    • Best Buy credit card accounts are serviced by Citi, so you close the account through them.
 * Use the number on the back of your card or the dedicated customer service line (for many cardholders this is 1‑888‑574‑1301) and clearly say you want to **cancel/close** your Best Buy credit card account.
  1. Verify your identity and request closure
    • Be ready with:
      • Full name and address on the account
      • Last 4 digits of your SSN or other ID details
      • Complete card/account number
    • Tell the representative you want the account closed with a zero balance and ask them to note that the closure was at your request (this wording can matter for some lenders when they review your report).
  1. Get written confirmation
    • Ask them to send a confirmation letter or email stating the account is closed and shows a $0 balance.
 * Save this in case there is any dispute later about fees or re‑opened charges.
  1. Destroy the card and monitor your credit
    • Cut the card into pieces (through the chip and magnetic stripe) once closure is confirmed.
 * Check your credit report after a few weeks to make sure the account is marked “closed” and that no new charges appear.

Things to think about before canceling

  • Canceling a card can change your credit utilization (total available credit vs. balances) and may slightly lower your credit score, especially if this card has a high limit or is one of your oldest accounts.
  • If you rarely use the card and the rewards are not valuable to you, closing may still make sense, especially if:
    • There is an annual fee you no longer want to pay.
    • You are trying to simplify the number of open accounts.
  • If your only concern is a high balance or interest, you might consider:
    • Paying it down and then keeping it open but unused.
    • Asking about a lower APR or hardship/repayment options instead of closing.

Mini FAQ

Can I cancel online or by email?

  • Many guides recommend calling as the fastest and cleanest method.
  • Some sources mention you can send an email request via the email channel tied to your Best Buy account, but they warn that email closure can be slower and may require follow‑up.

What if there’s still a balance?

  • Citi typically will not fully close the account until the balance is brought to $0.
  • You may be able to request that the card be blocked from new purchases while you continue to pay it down.

Will I lose my Best Buy rewards?

  • Any unused card‑linked rewards may expire when the account is closed, depending on the program rules, so consider redeeming them before you cancel.

Bottom note: Information gathered from public forums or data available on the internet and portrayed here.