Struggling with how to cancel Amex card without hurting your credit score? Looking for real experiences, hidden fees, timelines & expert tips. Share your insights! 
Hey folks, hope everyone’s doing well. So I’m stuck with something that feels simple, but the more I read online, the more confusing it gets. I’m trying to figure out the real and safe way to cancel an Amex card — and honestly, everything I find sounds like it’s been copied, rewritten, and recycled a hundred times. Nothing actually explains what the average person ends up dealing with.
Before I make a move, I wanted to ask people here who’ve actually gone through it. I’m not looking for textbook steps — I’m trying to understand what happens in real life.
A few things I’m unsure about:
Credit score impact: Did the cancellation hit your score right away? Or did it show up later because of the card’s age or credit line?
Amex support: When you called or used chat, did they try to keep you with some “special offer” or retention deal? If they did, was it even worth thinking about?
Timeline: Was the card closed instantly, or did Amex hold it open for a bit?
Balance issues: Did you have to pay off every penny first, or did they let you close the card and pay later?
Unexpected charges: Anyone get hit with annual fee timing, bonus reversals, or random adjustments?
I’m trying to close it cleanly without leaving loose ends or hurting my credit more than necessary. If you’ve done it before — recently especially — I’d really appreciate hearing how it actually played out for you. Even small details help.
Thanks to anyone willing to share your experience
. Honestly, real stories are way more useful than the generic guides floating around everywhere.
Hey folks, hope everyone’s doing well. So I’m stuck with something that feels simple, but the more I read online, the more confusing it gets. I’m trying to figure out the real and safe way to cancel an Amex card — and honestly, everything I find sounds like it’s been copied, rewritten, and recycled a hundred times. Nothing actually explains what the average person ends up dealing with.
Before I make a move, I wanted to ask people here who’ve actually gone through it. I’m not looking for textbook steps — I’m trying to understand what happens in real life.
A few things I’m unsure about:
Credit score impact: Did the cancellation hit your score right away? Or did it show up later because of the card’s age or credit line? Amex support: When you called or used chat, did they try to keep you with some “special offer” or retention deal? If they did, was it even worth thinking about? Timeline: Was the card closed instantly, or did Amex hold it open for a bit? Balance issues: Did you have to pay off every penny first, or did they let you close the card and pay later? Unexpected charges: Anyone get hit with annual fee timing, bonus reversals, or random adjustments?I’m trying to close it cleanly without leaving loose ends or hurting my credit more than necessary. If you’ve done it before — recently especially — I’d really appreciate hearing how it actually played out for you. Even small details help.
Thanks to anyone willing to share your experience
. Honestly, real stories are way more useful than the generic guides floating around everywhere.