How to Cancel a Capital One Card for You or Someone Who Died


Canceling your own credit card is annoying enough. Canceling a deceased loved one’s credit cards after death can seem to be a particularly intimidating process. You may never have expected to find yourself in these circumstances, and might not know where to start.

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That’s a natural reaction. Fortunately, guides such as this one illustrate how the process doesn’t need to be as overwhelming as you might expect.

For example, maybe you’re trying to cancel a Capital One credit card after a loved one’s death. Keep reading if so. This blog will explain how to cancel both your own Capital One credit card, as well as the card of someone who recently passed.

How to Cancel Your Own Capital One Credit Card

Capital One is somewhat unique among credit card companies in that it allows you to cancel a Capital One credit card online or over the phone. Usually banks require you to call them if you want to cancel a credit card.

Regardless of the method, canceling your Capital One credit card involves the following basic processes:

Method 1: Call Capital One

Capital One’s customer service number for credit card inquiries is 1-800-227-4825. If you’re outside the US, the number is 1-804-934-2001.

Make sure you’ve prepared all the relevant information and documentation when you call Capital One. They’ll probably ask for various types of information confirming your identity. They’ll also want to know your account number and other relevant details.

Be aware that it’s common practice for credit card companies to try very hard to convince you to stay when you call to cancel your account. Prepare for Capital One to do the same. They may highlight perks to entice you, for example.

Just be patient and don’t give in to their attempts if you’re sure you want to cancel your Capital One credit card. This is standard industry practice, and if you’re firm in your decision, they can’t force you to keep your account open.

An important tip

Before you wrap up your phone call with Capital One, ask the representative if there’s an address where you can send an official letter stating your intention to cancel your account. Send such a letter if they do give you an address.

While it’s unlikely to be a major issue, if there’s ever some sort of dispute about whether you officially canceled your card or not, you want there to be documentation.

Method 2: Cancel online

If you want to cancel your Capital One credit card online, all you need to do is log in to your account, select the “I Want To…” option, and follow the instructions under “Close Your Account.” Again, you should prepare your basic account and identification information ahead of time.

(Tip: If you’re having trouble remembering your passwords for online accounts, password manager tools can help!)

However, even though you have the option to cancel a Capital One credit card online, you may still want to call Capital One to confirm the cancellation. You can also use this opportunity to ask for an address to which you can send an official letter.

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How to Cancel a Deceased Loved One’s Capital One Credit Card

If you’re responsible for managing someone’s financial and digital afterlife after their death, you may have to cancel a deceased person’s Capital One card. Take the following steps to do so.

Step 1: Gather documentation

Capital One recommends that someone trying to settle the account of a deceased person at least gather the following documentation first:

  • Copy of their death certificate
  • Copy of the Court-official Letter of Administration or Letters of Testamentary (to prove settling the account is among your executor duties)
  • A copy of the Letter of Instruction for each executor and/or beneficiary
  • A copy of government-issued identification for all executors and/or beneficiaries

Keep in mind that Capital One technically advises people to gather the above documentation if they’re settling a bank account, and not necessarily a deceased person’s Capital One credit card. However, having that documentation on hand ahead of time may ensure the next steps in the process run smoothly.

Along with gathering that documentation, Capital One also requests that you have the deceased’s name, social security number, date of birth, and account number on hand when you contact them.

Step 2: Contact Capital One

Once you’ve gathered the necessary documentation and info, call Capital One at 1-877-357-5659 to report the cardholder’s death. You can reach them between the hours of 8:00 AM and 8:00 PM ET, Monday through Friday.

Note: Capital One specifies that if you’re settling multiple accounts (for example, if you’re closing a Capital one credit card and settling a bank account), you need to call each relevant department separately.

Step 3: Follow instructions

Capital One will advise you on the next steps to take after calling them to report a death. According to Capital One’s customer service, there isn’t necessarily one standard procedure in the event of a cardholder’s death, and therefore the next steps in the process may vary depending on the circumstances.

Regardless, you should keep the following points in mind throughout the process. They apply whenever you need to cancel a deceased person’s credit card:

  • Don’t use personal funds to settle any remaining debt. Creditors may petition a deceased person’s estate to settle the debt, but if there aren’t sufficient funds in the estate, they may not be able to collect.
  • Try to cancel recurring payments. If you know the deceased uses their credit card to make any recurring payments, make a point of canceling them sooner rather than later.
  • Don’t fall prey to deceptive tactics. Again, family members of a deceased person aren’t required to cover their credit card debt unless they shared a joint account. Aggressive debt collectors may contact you to try to collect, but don’t believe them when they attempt to make you feel as though it’s your responsibility to pay off this debt personally.

Canceling a Capital One Credit Card Doesn’t Need to be Difficult

Hopefully, this guide offered valuable information. That said, it’s crucial to remember that whenever you have any lingering questions about how to manage someone’s financial or digital assets after death, the best thing to do is contact the relevant company directly to get official answers.


  1. “How do I Settle a Capital One Bank Product?” Capital One,
  2. “How should I notify you of a Capital One customer who has passed away?” Capital One,
  3. “Want to close your credit card account?” Capital One,

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