How to get a credit co to close my account?

how do I get a certain credit card company (Walmart) to close my acct? They keep charging me finance fees and late fees that eat up my whole payment. I've requested this in writing and on the phone but yet it is not closed.
How to get a credit co to close my account?
Normally, you would call the phone number on the back of the card and say "please close my account" and it would all be taken care of.





But most companies won't close an account with a balance on it. Even if they do, it won't stop the finance charges or fees. The only way to stop fees is to come back in compliance with the terms of your contract with the CC company. If you are over limit, pay the card down so you are below your limit. If you are getting late fees, pay your bill on time.





The only way to stop finance charges is to pay the bill off in full. If they use the two-cycle method to calculate finance charges, you will be charged a small amount of finance charges the month following when you pay the bill off in full. You need to pay that bill off in full too. Then you will no longer be charged finance charges.



Reply:As long as you carry a balance you WILL be charged these fees. Just closing the account does not afford you the opportunity to not have the fees and finance charges added on. Some companies will not even close the account unless it has a zero balance so get a part time job long enough to pay off the balance so you can close and forget it.
Reply:Closing the account won't stop them from charging you interest and late fees.
Reply:Real world, hon...if you still owe them money they will not close your account. You need to pay off your account before you can request that they close it, and you will need to do so in writing and enclose your cut-up card with the letter. This is for their security so that no one can try to use the card once the account has closed.





If you don't owe them anything, there's nothing for them to charge finance and late fees *on* so it's up to you to pay off your balance, I'm afraid. And if you don't pay and they continue to charge you interest and late fees, you *will* start getting letters from credit collection companies. You don't want this to happen, for one because it will go on your credit history record and you'll have a very hard time (if at all) being able to get any kind of credit or credit card for several years, until your credit record has been clean.





Best advice: pay off what you owe them.
Reply:They are not going to close your account unless you pay the whole amount balance in full. Plain and simple. This applies for pretty much any credit card in the country unless you file for bankruptcy or are "dead".
Reply:Talk to the manager in Walmart and complain about how they didn't close your account when you asked them to. Call again and ask them why they didn't close the account. If neither of this works, threaten to sue them. However, don't really sue them. But, if they act like they don't believe you will sue them, sue them for real.