Credit Ninja is a financial service that helps people get quick access to cash through personal loans. They offer flexible repayment options and are known for their easy online application process. If you see a charge from them, it could be for a loan or service related to helping you manage your finances better.
Cancelling a subscription with Credit Ninja can involve navigating through their customer service channels, which may not be straightforward. Additionally, users might experience delays or require multiple attempts to secure the cancellation.
Estimated Time
On average, it takes 35 minutes0035 minutes to cancel a Credit Ninja subscription.
How to Cancel Credit Ninja: Step by Step
If you purchased through CreditNinja.com:
Go to creditninja.com.
Log in to your account using your email and password.
Navigate to the Account Settings section.
Select Subscriptions from the menu.
Find the subscription you wish to cancel.
Click on Cancel Subscription next to the relevant service.
Confirm your cancellation by clicking Yes, Cancel in the confirmation popup.
You will receive an email confirming your cancellation.
If you purchased through Google Play:
Open the Google Play Store app on your device.
Tap on the Profile Icon in the top right corner.
Select Payments & Subscriptions.
Tap on Subscriptions.
Find and select the Credit Ninja subscription.
Tap on Cancel Subscription.
Follow the on-screen instructions to complete the cancellation.
If you purchased through Apple:
Open the Settings app on your iOS device.
Tap on your name at the top to access Your Apple ID.
Select Subscriptions.
Find your Credit Ninja subscription in the list.
Tap on the subscription.
Tap on Cancel Subscription.
Confirm your cancellation on the popup prompt.
If you purchased through PayPal:
Log in to your PayPal account.
Click on the Settings gear icon in the top right corner.
Go to the Payments tab.
Click on Manage Pre-approved Payments.
Find the Credit Ninja subscription in the list.
Click on it and then select Cancel.
Confirm your cancellation when prompted.
How to Contact Credit Ninja
If you need assistance, here's how you can get in touch with Credit Ninja'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
Get help with your refund
"This app saved me $127 in minutes"
Tips and Tricks for Getting a Credit Ninja Refund
Be Persistent: If your initial cancellation attempt is met with resistance, don't give up. Call again or try different contact methods.
Calm and Polite: Use a friendly tone when speaking to customer service representatives, as being aggressive may lead to pushback.
Use a Script: Prepare a script that clearly states your intent to cancel and any relevant account details to streamline the process.
Ask for Confirmation: Always request confirmation of the cancellation in writing, such as an email, to avoid future billing.
Timing Matters: Try to initiate cancellation near the end of your billing cycle to avoid automatic renewals.
Escalate if Needed: If your call is not going as planned, ask to speak with a supervisor to increase the chances of a successful cancellation.
Document Everything: Keep a record of all communications, including dates, times, and names of representatives you spoke with.
Leverage Social Media: Some users find success by posting their cancellation issues on Twitter or Facebook, which may prompt quicker responses.
Plead for Exceptions: If you're facing a financial hardship, mention it; sometimes representatives can make exceptions for cancellation policies.
Beware of Sales Tactics: Be prepared for potential upsell attempts; stick to your decision firmly.
Why Do People Request Refunds from Credit Ninja
High interest rates on loans
Financial strain due to unexpected expenses
Lack of usage of the service
Better offers from competitors
Customer service issues
Changing financial situation or priorities
Feeling overwhelmed with debt
Difficulty understanding the terms and conditions
Concerns about data privacy
Negative reviews or recommendations from others
Credit Ninja Refund Script
Script
Copy
Dear Credit Ninja, 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,
Credit Ninja Refund Policy
Credit Ninja allows members to cancel their subscription or billing at any time without incurring additional fees. Customers simply need to follow the designated cancellation process outlined on their website to stop future charges. It's recommended to review account settings for specific instructions on cancellation.
The Easiest Way to Get a Credit Ninja Refund
If you're frustrated trying to cancel your subscription, membership, or bill from Credit Ninja—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
Be cautious, as Credit Ninja may implement gimmicks like requiring notice periods or offering incentives to stay that can make cancellation less straightforward than expected. Always check for fine print regarding early-cancellation fees or contractual obligations that could lock you in longer than you'd like. Make sure to fully understand their terms of service before signing up to avoid any unexpected hurdles.
High interest rates on loans
Financial strain due to unexpected expenses
Lack of usage of the service
Better offers from competitors
Customer service issues
Changing financial situation or priorities
Feeling overwhelmed with debt
Difficulty understanding the terms and conditions
Concerns about data privacy
Negative reviews or recommendations from others
Account number or customer ID
Email address associated with the account
Phone number linked to the account
Billing address
Last payment date
Reason for cancellation
Method of payment used for the subscription
Confirmation of identity (e.g., security questions)
Details of the plan or service subscribed to
Notice period for cancellation
Before cancelling your Credit Ninja subscription, be aware that you will lose access to features such as your credit score tracking and personalized financial recommendations that can help improve your credit health. Additionally, any ongoing promotions or exclusive offers may become unavailable once your membership is terminated. Consider whether you have any active loans or services tied to your account, as cancelling could affect those transactions. Lastly, check if there are any cancellation fees or notice periods you need to fulfill to avoid unexpected charges.
Credit Ninja allows members to cancel their subscription or billing at any time without incurring additional fees. Customers simply need to follow the designated cancellation process outlined on their website to stop future charges. It's recommended to review account settings for specific instructions on cancellation.
To cancel your subscription with Credit Ninja, you will need your password to access your account. If you've forgotten your password, you can easily reset it by visiting the following link: [Reset Password](https://creditninja.com/reset-password). Once you have access, you can proceed with the cancellation process.
The cancellation process typically takes about 35 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 Credit Ninja 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 Credit Ninja 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 Credit Ninja 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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