The Close Credit Card Letter is a essential document used in the Austrian banking system when a cardholder wishes to terminate their credit card agreement. This document is required by Austrian financial institutions and must comply with local banking regulations, including the Bankwesengesetz (BWG) and Consumer Protection Act (KSchG). The letter typically contains the cardholder's personal information, credit card details, explicit closure request, and declarations regarding outstanding balances. It serves as both a formal request and legal record of the account closure process, protecting both the cardholder's and bank's interests. This document becomes particularly important in situations where clear documentation of account closure is needed for future reference or dispute resolution.
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1. Sender Details: Full name, address, and contact information of the cardholder
2. Recipient Details: Bank's name, department, and full address
3. Date: Current date of letter preparation
4. Subject Line: Clear indication that this is a credit card account closure request
5. Account Information: Credit card number (last 4 digits only), account holder name, and any relevant reference numbers
6. Closure Request: Clear statement requesting the closure of the credit card account
7. Final Payment Declaration: Statement regarding settlement of any outstanding balance
8. Closure Confirmation Request: Request for written confirmation of account closure
9. Signature: Physical or digital signature of the cardholder
1. Reason for Closure: Optional explanation for closing the account - include if required by bank policy or if beneficial for maintaining good banking relationships
2. Reward Points: Instructions regarding any remaining reward points or benefits - include if applicable
3. Auto-Payments: Confirmation of cancellation of any standing orders or direct debits - include if any automatic payments are set up
4. Card Destruction Confirmation: Statement confirming physical destruction of the credit card - include if required by bank
5. Alternative Contact Details: Different contact information for future correspondence - include if relevant
1. Copy of Credit Card Statement: Most recent statement showing current balance and account details
2. Identification Document: Copy of valid ID if required by bank policy
3. Authorization Form: Any specific bank forms required for account closure
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