How to Cancel Your Maurices Credit Card: A Comprehensive Guide

Canceling a credit card can be a significant financial decision, and it’s essential to approach it with care and thoroughness. If you’ve decided to cancel your Maurices Credit Card, this guide will walk you through the process, ensuring you don’t miss any crucial steps. We’ll cover everything from contacting customer service to managing your rewards points and considering alternative options.

Why Cancel Your Maurices Credit Card?

Before diving into the cancellation process, it’s worth considering why you want to cancel your card. Common reasons include:

1. High annual fees
2. Better credit card offers elsewhere
3. Simplifying your finances
4. Reducing credit utilization
5. Closing unused accounts

Whatever your reason, make sure you’ve thought it through carefully, as canceling a credit card can impact your credit score.

Preparing for Cancellation

Before you initiate the cancellation process, take these preparatory steps:

1. Pay off any outstanding balance: Ensure your account has a zero balance to avoid any complications.
2. Redeem rewards points: Use any accumulated rewards before closing the account to avoid losing them.
3. Update automatic payments: If you have any recurring charges on your Maurices Credit Card, transfer them to another payment method.
4. Check for any pending transactions: Wait for all transactions to clear before canceling.

Methods to Cancel Your Maurices Credit Card

1. Calling Customer Service

The most direct and recommended method is to call Maurices’ customer service:

• Phone number: 1-866-248-4488
• For those who need assistance with a telecommunications device: TDD/TTY 1-800-695-1788

When you call:

1. Have your credit card and personal information ready for verification.
2. Clearly state your intention to cancel the card.
3. Ask for confirmation that the account will be closed.
4. Request written confirmation of the cancellation for your records.

2. Live Chat Option

To cancel via live chat:

1. Visit www.maurices.com
2. Log into your account
3. Scroll to the bottom and click on “Chat with Us” or “Live Chat”
4. Start a conversation with the virtual assistant
5. State your intention to cancel and provide necessary information
6. Follow the assistant’s instructions to complete the process

3. Contact Form

Alternatively, you can use the contact form on Maurices’ website:

1. Go to www.maurices.com
2. Scroll to the bottom and click on “Email Us”
3. Fill out the form, stating “Cancel my credit card” in the subject line
4. Provide a brief explanation in the comment section
5. Submit the form and await a response

Managing Your Rewards and Promotional Offers

When canceling your Maurices Credit Card, pay special attention to your rewards and promotional offers:

Points Expiration

• Your mymaurices account points expire after 12 consecutive months of inactivity
• Redeem any available rewards before canceling, as they’re only valid for 90 days after issuance

Account Activity

• Ensure all purchases, returns, and redemptions are processed before cancellation
• Be aware that negative points balances due to returns could affect your rewards

mRewards Account Termination

• If you’re also terminating your mRewards account, unused points, rewards, and promotional offers will expire upon termination
• Contact Maurices customer service at 1 (866) 977-1542 to address any outstanding points or rewards

After Cancellation

Once you’ve canceled your Maurices Credit Card:

1. Destroy the card: Cut it up or shred it to prevent potential fraud.
2. Monitor your credit report: Check your credit report to ensure the account is marked as “closed by consumer.”
3. Keep cancellation confirmation: Store the written confirmation of cancellation for your records.

Alternatives to Cancellation

If you’re hesitant about canceling, consider these alternatives:

1. Downgrade to a no-annual-fee card: If available, this can help maintain your credit history.
2. Request a fee waiver: Sometimes, issuers will waive annual fees to retain customers.
3. Keep the card but use it sparingly: This can help maintain your credit utilization ratio and length of credit history.

Conclusion

Canceling your Maurices Credit Card doesn’t have to be a complicated process. By following these steps and considering all aspects of the cancellation, you can ensure a smooth transition. Remember to weigh the pros and cons of cancellation and consider alternatives if they better suit your financial situation. Always prioritize your financial health and make decisions that align with your long-term financial goals.