TBF, I got a finger wagged at me when I missed a recurring-fee cancellation date and I had only locked the card instead of deleting it. It notified the fraud department and they (claimed in the email notifying me that they) locked my entire card out and had to call them to remove the lock. They then went through the “you should remember to cancel” speech and recommended deleting the number instead of locking it. C1’s customer service is, generally, trash compared to Amex and Chase so I shouldn’t be surprised that they’re a bit overzealous in how to handle a locked card. Still, it’s a worthwhile feature.
TBF, I got a finger wagged at me when I missed a recurring-fee cancellation date and I had only locked the card instead of deleting it. It notified the fraud department and they (claimed in the email notifying me that they) locked my entire card out and had to call them to remove the lock. They then went through the “you should remember to cancel” speech and recommended deleting the number instead of locking it. C1’s customer service is, generally, trash compared to Amex and Chase so I shouldn’t be surprised that they’re a bit overzealous in how to handle a locked card. Still, it’s a worthwhile feature.