How to Cancel Grow Credit on the Grow Credit website
1 - Log into your Grow Credit account on the Grow Credit website.
2 - Click on the profile icon next to the "Log Out" button.
3 - Select Account Settings from the dropdown menu.
4 - Click on Close Account.
5 - Follow the prompts to complete the cancellation process.
6 - If you encounter issues, contact customer support via the chat box on the bottom right-hand corner or by emailing behappy@growcredit.com.
7 - Ensure you have paid any outstanding balance before your account is closed.
8 - Wait for confirmation from customer support that your account has been successfully closed.
How to Cancel Grow Credit on the mobile app
1 - Open the Grow Credit mobile app.
2 - Tap the circle with your initials located in the bottom right corner.
3 - Select Account Settings.
4 - Click on Close Account.
5 - Follow the prompts to finalize your cancellation.
6 - If needed, contact customer support through the app.
7 - Make sure to settle any existing account balances.
8 - Wait for confirmation from customer support that your account is closed.
Grow Credit helps you build your credit by letting you pay for your subscriptions (like Netflix, Hulu, or Spotify) using their virtual Mastercard. Each month, your subscription payments are reported to credit bureaus to build your credit history. They have different plans with monthly spending limits and some plans have fees, but they never charge interest. When you use Grow Credit, your monthly balance is automatically paid in full, helping you build credit without extra costs, and there’s no hard credit check when you sign up.
The cancellation process is relatively straightforward as users can directly close their account via Account Settings on the website or app. However, the need to pay any outstanding balance in full and potentially contact customer support if there are issues adds slight complexity, but overall it is quite easy for a consumer to cancel.
Estimated Time
On average, it takes 10 minutes0010 minutes to cancel a Grow Credit subscription.
How to Contact Grow Credit
If you need assistance, here's how you can get in touch with Grow Credit's support team.
Savings over 5 years from cancelling your $15/month subscription
Savings by cancelling
$0
vs
Loss if you keep paying
-$0
$800
$600
$400
$200
$0
Years
Tips and Tricks for Getting a Grow Credit Refund
Be very clear and persistent: Repeatedly state "I want to cancel my subscription" without engaging in negotiation or other conversation.
Use formal language: When escalating, use polite but firm language such as "I am requesting immediate cancellation of my account and no further charges."
Time your cancellation request: Request cancellation just before the next billing cycle to minimize the chance of being charged again.
Escalate if needed: If customer service is unhelpful, escalate to supervisors or managers through multiple contact attempts including phone and email.
Threaten to dispute charges: Mention willingness to contact your bank or credit card to dispute unauthorized charges if cancellation is not processed promptly.
Cancel payment method if stuck: As a last resort, block or cancel the credit card used for Grow Credit payments to stop further charges, but be aware this may have contract implications.
Document everything: Keep records of all cancellation attempts, including dates, times, and names of representatives spoken to.
Use timing tricks: Cancel during business hours and avoid weekends or holidays for faster response.
Check app settings: Sometimes cancellation can be done through subscription management in the Grow Credit app, so verify there first.
Prepare for resistance: Expect the company to try to retain you by offering incentives or delays; stay firm on your intent to cancel.
Why Do People Request Refunds from Grow Credit
Autopay issues: Autopay not working correctly causing late payment reports that damage credit scores.
Inability to pay bills early: Users can't manually or easily pay bills early in the app.
Difficulty closing accounts: Customers have trouble closing accounts even after paying balances or closing payment cards.
Continued charges after closure: The company may continue charging accounts despite closure requests.
Unprofessional customer service: Customer service described as unhelpful and unprofessional regarding closures and disputes.
Accusations of illegal reporting: Some customers accuse the company of illegal late payment reporting harming credit scores.
Outstanding balance policy: Accounts cannot be closed until balances are fully paid.
Negative credit impact concerns: Closure does not remove payment history or negative reports from credit bureaus.
Warning to avoid: Some users warn others to avoid Grow Credit due to these issues.
Cost concerns: Customers find service expensive relative to benefits, especially given reporting to only two credit bureaus.
Grow Credit Refund Script
Script
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Dear Grow Credit, Support, I hope this message finds you well. I am writing to request a refund due to a billing issue that arose recently. I noticed an accidental charge on my account that I do not recognize, and I believe it may have been a mistake. I would greatly appreciate your assistance in processing this refund at your earliest convenience. Thank you for your attention to this matter. I look forward to your prompt response. Best regards,
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Grow Credit Refund Policy
Grow Credit does not charge a fee to close your account before your loan term ends, but any outstanding balance must be paid in full to close the account. To cancel, you need to go to Account Settings and click Close Account, or contact customer support for assistance. Simply removing the app or signing out does not close your account—you must receive confirmation from customer support.
Get help with your refund
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The Easiest Way to Get a Grow Credit Refund
If you’re frustrated trying to cancel your subscription, membership, or bill from Grow Credit—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we’ll take care of the rest.
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Frequently Asked Questions
Grow Credit allows you to cancel your membership and close your account at any time without any fees or early cancellation penalties. However, you must pay any outstanding balance in full before the account can be closed. Be aware that simply removing the app or signing out does not close your account; you need to follow the specific steps to close it and receive confirmation from customer support to ensure the account is fully closed.
Autopay issues: Autopay not working correctly causing late payment reports that damage credit scores.
Inability to pay bills early: Users can't manually or easily pay bills early in the app.
Difficulty closing accounts: Customers have trouble closing accounts even after paying balances or closing payment cards.
Continued charges after closure: The company may continue charging accounts despite closure requests.
Unprofessional customer service: Customer service described as unhelpful and unprofessional regarding closures and disputes.
Accusations of illegal reporting: Some customers accuse the company of illegal late payment reporting harming credit scores.
Outstanding balance policy: Accounts cannot be closed until balances are fully paid.
Negative credit impact concerns: Closure does not remove payment history or negative reports from credit bureaus.
Warning to avoid: Some users warn others to avoid Grow Credit due to these issues.
Cost concerns: Customers find service expensive relative to benefits, especially given reporting to only two credit bureaus.
Grow Credit account login information (email and password)
Access to your Account Settings on the Grow Credit website or mobile app
Outstanding balance status (all dues must be paid before cancelling)
Date of birth (if contacting customer support to close your account)
Billing zip code (if contacting customer support to close your account)
Confirmation of your cancellation request from customer support
Specific subscription details if removing an individual linked subscription (e.g. which subscription to cancel)
Updated payment information with the external subscription provider (if you are canceling a linked subscription managed through Grow Credit)
Contact method (access to email/chat for customer support, e.g. behappy@growcredit.com or chat box)
Before cancelling your Grow Credit subscription or closing your account, know that closing your account could potentially lower your overall available credit, as it removes a credit source, impacting your credit utilization ratio which affects your credit score. Grow Credit does not charge fees for closing your account early, but you must pay any outstanding balance in full. Simply removing the app or signing out does not close the account; you need to confirm closure through account settings or customer support and get confirmation. When you cancel, you'll lose access to the credit-building benefits associated with your Grow Credit account.
Grow Credit does not charge a fee to close your account before your loan term ends, but any outstanding balance must be paid in full to close the account. To cancel, you need to go to Account Settings and click Close Account, or contact customer support for assistance. Simply removing the app or signing out does not close your account—you must receive confirmation from customer support.
To cancel your Grow Credit subscription, you generally need to log into your account, which requires your password. You can cancel subscriptions via the GrowCredit website or mobile app in the subscriptions section. If you have forgotten your password, you can reset it at https://www.growcredit.com/password/reset. If you encounter issues canceling, customer support can assist when contacted with some personal information, but having account access is typically necessary.
We've actually written a step by step guide on how to get a refund from Grow Credit. Check it out!
The cancellation process typically takes about 10 minutes to complete. However, the actual time may vary depending on your account settings and whether you need to contact customer service. Most cancellations are processed immediately, but some may take up to 24 hours to take effect.
After canceling your Grow Credit subscription, you'll typically have access to the service until the end of your current billing period. You won't be charged for the next billing cycle, and your account will be deactivated once the current period ends. Make sure to download any important data before cancellation.
Yes, you can usually reactivate your Grow Credit account by logging back into your account and resubscribing. However, you may need to go through the sign-up process again and provide payment information. Some services may offer special reactivation deals for returning customers.
If you're unable to cancel Grow Credit online, contact their customer service directly using the phone number, email, or website provided above. You can also use our refund script to help you communicate effectively with their support team. In some cases, you may need to provide additional verification or documentation.
Editorial Note: The content on this site is provided for general informational purposes only and reflects the independent research, opinions, and editorial judgment of Chargeback's team. While we strive to ensure accuracy and relevance, the information may contain errors, omissions, or become outdated. Nothing on this site constitutes legal, financial, or professional advice, and we do not guarantee the effectiveness or outcome of any guidance provided. Individual results may
vary depending on specific circumstances.
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¹ Total savings is calculated based on internal annualized estimates of
savings for customers. ² Average requests times may vary depending on volume of requests
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