How to cancel a credit card you currently have debt on if the bank won't respond?
Several months ago, I got a credit card from Santander. I've tried many times to get their app Santander Sign set up and after about two months, it finally worked. But I still can't sign in because their online banking just isn't available (everything else on my connection works fine, including online banking of other banks). Unfortunately, I made the mistake of actually using the credit card because I thought I could log in after finally getting their non-working app set up.
Always, meine.santander.de and api.santander.de are either not available to begin with or stop being available when I logged in. I've never even seen the online banking interface in several months of trying every few days. The connection just times out or they only show a pretty much blank page with just a logo and a footer.
I've sent them a request about paying my debt off (via their contact form) because I can't log in over two weeks ago but they haven't responded. Right now I'm trying again to call them but they just won't pick up the phone. I can already tell that in half an hour I'll be bugged out sufficiently by their music and will hang up but they won't have picked up by then.
I just want to pay my debt off and never have anything to do with Santander. I don't want their credit card. How do I do this?
Location: Germany
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First, as was already suggested, you should go to a local branch.
Even if they can't direcly do anything for you, they might be able to tell you how to proceed.
If they can't and you…
just want to pay my debt off and never have anything to do with Santander. I don't want their credit card.
you always can cancel a contract by sending a letter, maybe a registered one ("Einschreiben").
If you have a vague idea of how much your debt with them (including interest which might have accrued) is, just transfer the needed amount plus a certain safety amount (just to be sure) to the main account linked to that card (I suppose you have the IBAN of that account) and tell them
to cancel all accounts with them
to clear all debts with the outstanding amount of the main account
to transfer the remaining amount to (your) account XY.
If/As you don't have the IBAN, you should either
provide them in the cancellation letter with a SEPA mandate to withdraw the missing funds once (if you feel comfortable doing so) or
ask them to tell you the amount you owe them and offer to transfer it ASAP.
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