Hey I called in to Continental Finance tonight to cancel my Verve MasterCard. I recorded the conversation (read to do that on here). I informed them I was doing it as well. When I told them I was recording it, they transferred me to another person. The person on the phone acknowledged that I had a zero balance and wouldn't owe anything and said she closed it.
I also dropped a notarized letter in the mail informing them I closed the account on the phone for their written records. Is that about all you need to do? This is the first time I've closed a card.