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Can I reject changes to my credit card account?

It depends on the type of change and the terms of your account agreement. If you receive a notice that states you have the right to reject the change, the notice will give you instructions on how you can do so.

You can reject many types of changes to your credit card account. However, if your reject these changes, a bank might close your account.

There are some types of changes you cannot reject, such as

  • an increase in the annual percentage rate.
  • an increase in the required minimum payment.
  • a change that results from the bank not receiving your payment within 60 days of the due date.
  • a suspension of your credit privileges.

Even if you can't reject the change, you can still close your account if you want to avoid the change or not use your card for any more transactions. Review your account agreement for policies specific to your bank and your account.

Last Reviewed: October 2020

Please note: The terms "bank" and "banks" used in these answers generally refer to national banks, federal savings associations, and federal branches or agencies of foreign banking organizations that are regulated by the Office of the Comptroller of the Currency (OCC). Find out if the OCC regulates your bank. Information provided on HelpWithMyBank.gov should not be construed as legal advice or a legal opinion of the OCC.

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