I was trying to find a cancellation dept. or at least a 1 800 number to call them but couldn't find any to cancel my account. Instead, a bunch of answering machine will assist you. I knew then that there is something wrong. For some reason they don't want to deal with this kind of situation. I have canceled a few credit cards before but i did not have a hard time canceling my acct. because they have a live chat or an actual customer service (cancellation dept) when you don't want the service anymore. If you visit their website www.creditonebank.com you will not find any help regarding cancellation. I ended up reporting it loss, but i know soon enough they will send me a replacement card. I am disappointed and hopefully this will be a warning to people who want to open a credit card acct. to creditone bank.