How to Cancel a Banana Republic Credit Card: Step-by-Step


Do you need assistance with canceling your Banana Republic credit card? We are happy to help you with this process. We will give you the contact information for Banana Republic credit card services, along with step-by-step instructions on how to cancel your credit card account.

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Our apologies if this seems like an obvious statement, but credit card accounts aren’t closed simply by cutting up the card. No matter what type of credit card account you are canceling, you need to pay off your balance and contact the credit card company to cancel it altogether.

Besides paying off the balance, there are other helpful steps you should complete before calling to cancel your account. First, stop all automatic charges to your credit card account. (This probably won’t be an issue with your Banana Republic card.) Second, tell any authorized users to stop using the card for their purchases. Finally, use up any rewards you have earned on your Banana Republic account by being a good customer. 

Once you get the preliminary steps done and your balance is paid off, here are the steps you need to take to cancel the account.

How to Cancel Your Own Banana Republic Credit Card

Ready to sever ties with Banana Republic? Perhaps you no longer shop at this store, or there is no longer a location near you. Here are the steps for canceling your Banana Republic credit card account. 

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Step 1: Pay off any balance

Before contacting Banana Republic customer service to close your account, confirm you have no balance by logging into your online account. 

Do you have a difficult time remembering your online log-ins and passwords? If so, consider using a password manager to help you avoid having to recreate a password every time you try to access an account online. 

Banana Republic will not officially close your account until you pay off the balance. However, if you contact the credit card company, the customer service representative may be able to disable the credit card so that you won’t be tempted to make additional charges while paying off what you owe.

Step 2: Contact Banana Republic credit card services

The easiest way to contact any credit card customer service department is to call the phone number on the back of the card or the one found on your billing statement. There are three phone numbers associated with the Banana Republic credit card.

  • Cardmembers of Banana Republic Rewards (866) 450-2330
  • Icon Cardmembers of Banana Republic Rewards (866) 450-2335
  • Visa Signature Cardmembers (866) 657-8467

The Banana Republic website also has an online chat feature. Visit the company’s website and click on the bottom right-hand corner of the screen to receive more information about closing your account. 

Explain that you wish to close your account. Please note that the customer care team may offer you a reward or bonus to encourage you to stay with the company.

Step 3: Look for written confirmation that the account is closed

Once your account balance is zero and you have closed your account, you should receive written confirmation from Banana Republic – typically through the mail. If you don’t receive any written or emailed communication from Banana Republic, follow up with a written notice that includes your name, address, contact phone number, and last four digits of the credit card number. Request that your account be closed and ask for written confirmation to be sent to you after the closure is completed. Keep this confirmation in your files. 

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Step 4: Check your credit report

Wait 30 days after your account is closed and then check your credit report to make sure Banana Republic is not listed as a current account. 

How to Cancel a Deceased Loved One’s Banana Republic Credit Card

Please accept our condolences if you recently lost a loved one. We know you are probably overwhelmed with all there is to do following the death of a family member. Unfortunately, even though you are hurting from your loss, you should consider notifying your deceased family member’s credit card companies about their death.

Please understand that there’s no need to settle the deceased’s credit card accounts within hours or days of their death. In fact, don’t let the credit card company persuade you to use your own personal funds to pay off the balance. However, notifying the credit card companies about the death may keep a criminal from fraudulently charging on the account. 

Begin the process by going through the deceased’s wallet and calling the numbers on the back of all of their credit cards. You might also look through bills or emails (if you have access to their email) to find other open accounts. 

Later, the executor of the estate will need to follow up with Banana Republic to pay off the account using the deceased’s assets. This process can be completed after you have obtained the required paperwork, including a copy of the death certificate. (Most full-service funeral home staff will help you order certified copies of the death certificate.)

The funeral home staff also typically notifies the Social Security Administration about the death. This agency will then inform the country’s major credit bureaus, which will flag the deceased’s social security number so that no new accounts can be opened under their number. 

Do not use your loved one’s Banana Republic credit card following their death. 

Now that you have a general understanding of what happens to financial accounts after a person dies, here are the steps of canceling your deceased loved one’s Banana Republic credit card account. 

Step 1: Complete the online Customer Deceased Notification from Synchrony

Synchrony is the name of the company that oversees the Banana Republic credit card. Synchrony has an online form to complete to notify their customer service department about your loved one’s death.

The form asks for the deceased’s name, address, and the last four digits of the Banana Republic credit card number. The form also asks for the executor’s name, the name and phone number of the next of kin, and the name and phone number of the estate attorney. This online form allows you to submit any necessary documents, such as a copy of the death certificate. 

Banana Republic makes note that the company’s benefits and rewards are nontransferable. “Upon the death of a member, the member’s account will be closed and any benefits or points in the account will be forfeited.”

Please understand that closing a credit card account is a more straightforward process than closing a bank account. For example, if the balance is at zero, you might simply need to complete the form and provide a copy of your loved one’s death certificate to close the account. 

However, here’s a list of the documents one usually gathers when handling the financial afterlife of a person:

  • Name and social security number of the deceased
  • Deceased’s date of birth and death
  • Account number
  • Copy of their death certificate 
  • Copy of the Letter of Administration or Letters of Testamentary (to prove you have authority to act on behalf of the estate)
  • A copy of the Letter of Instruction for each executor and/or beneficiary

Closing your loved one’s credit card account may take time. Please understand that unless you have the proper permission of the courts, the Banana Republic customer service team member may not be authorized to give you the balance on the account. 

If a co-owner is on the account, the co-owner will be required to apply for a new Banana Republic credit card account instead of switching the account to their name.

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Step 2: Ask for confirmation that your loved one’s account has been closed

Once the balance has been paid, make sure you receive confirmation from Banana Republic that the account has been closed and keep this documentation with the estate paperwork. 

Turn to Cake for All of Your End-of-Life Plans

Often, experiencing the death of a loved one influences others to organize their financial records and make end-of-life plans. If you wish to make things easier for your family after you die, use the many resources that Cake provides. 

Leave behind an organized list of all of your accounts – both assets and debts. Next, create a will or trust so your loved ones know how you wish to distribute your assets. Talk with an estate attorney in your state to understand how the process works. Finally, create an end-of-life plan to record your preferred method of disposition and eternal resting place. 

  1. “Managing Your Account.” Customer Service, Banana Republic, 2021.

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