Credit Genie is a service that offers quick cash advances up to around $150 to help you out when you need extra money. There are no interest charges or credit checks involved. However, they do charge a subscription fee of about $4.99 either monthly or biweekly to maintain the connection to your bank account. This fee is the reason you might see recurring $4.99 charges from Credit Genie on your billing statements.
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Based on customer reviews and reports, many users experience considerable difficulty unsubscribing from Credit Genie due to app glitches and poor customer service responsiveness including limited contact options. The process usually involves navigating app settings or contacting support through slow communication channels, thus requiring moderate effort.
Estimated Time
On average, it takes
7 minutes
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minutes to cancel a Credit Genie subscription.
How to Cancel Credit Genie: Step by Step
If you purchased through Credit Genie directly:
- Log in to your Credit Genie account.
- Navigate to the Settings tab.
- Select Account Management.
- Choose Disconnect Bank Account to stop recurring charges.
- Confirm the disconnection when prompted.
- Check your email for a confirmation of cancellation.
If you purchased through a mobile app (e.g., App Store, Google Play):
- Open the respective app store on your device.
- Navigate to your Account or Subscriptions section.
- Locate Credit Genie in the list of subscriptions.
- Select Cancel Subscription.
- Confirm the cancellation and ensure you receive a confirmation email.
Tips & Tricks for Canceling Credit Genie
- Send a formal email revoking ACH authorization to stop bank debits and request account closure confirmation.
- Disconnect your bank account from any integrated payment services like Plaid to block further withdrawals.
- Keep written proof of revocation to escalate if the company continues to withdraw payments.
- Act well before the next withdrawal date to ensure the request is processed in time.
- Delete the app only after revocation is confirmed; deletion alone does not stop payments.
- Use assertive, clear language in communications, emphasizing your legal right to revoke payment authorization.
- Escalate by repeatedly contacting support or posting on public forums if unauthorized charges continue.
- Be aware that you are not legally obligated to repay cash advances according to many users, so threaten to dispute any unauthorized withdrawals.
- Request refunds for any fees or tips charged if you decide to stop payments.
- Have patience and persistence, as some users report multiple attempts are needed.
Credit Genie Customer Service Info
If you need assistance, here's how you can get in touch with Credit Genie's support team.
Cancel Credit Genie Script
Script
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Dear Credit Genie Team,
I hope this message finds you well. I am writing to formally request the cancellation of my subscription with Credit Genie. Due to personal financial reasons, I have decided that I will not be able to continue my membership at this time. I appreciate the service provided, but I must prioritize my current financial situation. Please let me know if you need any further information from my side to process this cancellation. Thank you for your assistance.
Best regards,
Frequently Asked Questions
Credit Genie charges a recurring biweekly Bank Connection Fee of $4.99 to maintain a customer's bank account connection. To cancel the subscription and stop the recurring fee, customers can disconnect their bank account anytime through the "Settings" tab in the Credit Genie app. Deleting the app does not cancel the subscription or stop the fees; the bank account must be disconnected to prevent further charges.
To cancel your Credit Genie subscription, you need to disable your account through the Credit Genie app by going to the "Settings" tab and selecting the option to delete your user account. There is no specific mention that a password is required for this process, but you do need to have no pending repayments or open balances before you can delete the account. If you do need to reset your password for any reason, you can do so at this URL: https://nfcc-5.creditgenie.com/forgot-password. So, generally, having your password may be necessary if you want to log in and manage your account, but there's no direct indication that it is strictly required just for cancellation.
- Unauthorized charges that users did not expect or approve.
- Difficulty canceling memberships, often due to lack of live customer support or unresponsive service.
- Subscription fees such as a recurring $4.99 monthly charge that users find wasteful or unfair, especially when not actively using the service.
- Customer support challenges including slow response times, no phone support, and unhelpful email/chat responses.
- Account management issues such as glitches, incorrect phone numbers for support, and trouble closing accounts.
- Mixed experiences with customer service leading to frustration and sometimes reporting the app to consumer protection agencies.
Credit Genie charges a $4.99 biweekly recurring fee called the Bank Connection Fee, which is tied to maintaining your bank account connection. While you can cancel your subscription by disconnecting your bank connection through the app or phone, the cancellation process can take up to 24 hours to complete, and you will continue to be billed until this is processed. Be aware that despite cancellation requests, some users report ongoing charges and difficulty fully stopping the subscription, indicating potential delays or complications in the cancellation process. There are no explicit contracts or early cancellation fees mentioned, but the billing can continue until cancellation is fully processed.
Before cancelling a Credit Genie subscription, know that cancelling will stop any recurring billing and your bank connection within the app will be disconnected. You will lose access to features like advance cash loans of up to $100 with no interest and no credit check, as well as overdraft alerts which notify you when your bank account is at risk of overdrawing. Simply deleting the app will not cancel your subscription; you must disconnect your bank account from the app settings to fully stop the service. Consider these features and ensure you follow the proper cancellation steps to avoid unexpected charges or loss of access.
- Full name associated with your Credit Genie account
- Email address used for your Credit Genie account
- Telephone number linked to your Credit Genie user profile
- Reason for cancellation (optional but may be requested for processing)
- Request to cancel authorization for Credit Genie to debit your linked account or stop Bank Connection Fees
- Date of upcoming scheduled debit (recommended to specify if you are stopping a debit)
- Confirmation that any outstanding Cash Boost has been repaid (if applicable)
We've actually written a step by step guide on how to get a refund from Credit Genie. Check it out!
The Easiest Way to Cancel Credit Genie
If you’re frustrated trying to cancel your subscription, membership, or bill from Credit Genie—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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What Are Some Alternatives to Credit Genie?
Credit Genie Cash, Credit Genie, Creditgeni, Cg Connect
Editorial Note: These articles reflect the opinions of Chargeback's writers. Everyone's situation is unique; therefore, it is important to conduct your own research and note that our self-help tools are not guaranteed to help with any specific problem.
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