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How to cancel or reduce the limit of your credit card account/s

If you wish to cancel your credit card account, you will need to pay off the balance first. If you are unsure of the closing balance, please contact us.

If you wish to cancel/reduce the credit limit of more than one credit card account, please submit a separate secure email for each account.

Requests can be made by any account holder on the account.

To cancel your credit card account/s or reduce your credit limit:

Via Online Banking

  1. Log on to Online Banking using your unique customer number and password.
  2. Once logged on, go to the menu on the left of the page and select:
    1. ‘Mail’ then ‘Create Mail’
    2. In the ‘Account’ field, select the appropriate credit card account from the dropdown list provided
    3. In the ‘Subject’ field, please enter ‘Cancel credit card account’ or ‘Reduce credit card limit’
    4. In the text box, confirm what you’d like us to do i.e. ‘Please cancel the above credit card account’ or ‘Please reduce the limit of the above credit card to [enter amount]’.

If you don’t have Online Banking access

Contact us via email or phone to submit your request. (Please do not provide card numbers, accounts numbers, passwords or PINS via email as this is not a secure email service.)

Alternatively, contact Adelaide Bank via the online Enquiry Form. Note: ‌This is not a secure email service. Please do not provide card numbers, accounts numbers, passwords or PINS.

We may contact you if we require clarification of your instructions.

We will take reasonable steps to ensure that the account cancellation/credit limit reduction is promptly actioned.

We will not suggest that you apply for a credit limit increase or suggest that you can’t reduce your credit limit or close your account.

Please note: all requests will be assessed and subject to approval. We are not obliged to reduce the limit below any specified minimum credit limits. Terms and conditions apply, please refer to Visa Account Terms and Conditions.

You must be familiar with the Terms and Conditions of Online Banking relevant to your account prior to using this service.

If you are unclear about any term or conditions, please call the phone number on your statement for assistance.

© Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL/Australian Credit Licence 237879.

Online Banking is provided by Adelaide Bank, a division of Bendigo and Adelaide Bank Limited. The products and services on this website are only available to Australian residents and are subject to Australian law. To the extent permitted by law, the Bank does not accept liability for loss or damage to any person using or relying on information on this website or accessed through this website. If the Bank is liable despite this exclusion, the Bank limits its liability (to the extent permitted by law) to the resupply of such information. The Bank does not accept any liability for information on third-party websites linked to this website. You access and use those websites at your own risk.

Online Banking is provided by Adelaide Bank a division of Bendigo and Adelaide Bank Limited ABN 11 068 049 178. AFSL/Australian Credit Licence 237879.