Credit One Bank mainly offers credit cards that come with benefits like cash back and points, as well as savings and certificate of deposit accounts with good interest rates. If you have a Credit One credit card, you might see them billing you for your monthly credit card usage or for subscription services you pay with their card. They provide easy options to pay your bills, including online payments, mailing checks, or setting up AutoPay to automatically pay your bill each month so you don't miss due dates. This makes managing your payments straightforward and convenient.
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The cancellation process typically requires calling customer service and speaking with a representative, which can take some time especially if there is a wait to reach a live person. There is no online cancellation option, and some customers report the need to navigate hold times or pressing '0' multiple times, which adds to the difficulty but overall the process is straightforward when contact is made.
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minutes to cancel a Credit One Bank subscription.
How to Cancel Credit One Bank: Step by Step
If you purchased through Credit One Bank:
- Call customer service at 1-877-825-3242.
- When prompted, enter your card number.
- Request to cancel your card to the customer service representative.
- Listen for any potential retention offers that may be made to keep you as a customer.
- If preferred, you can also mail your request to cancel:
- Credit One Bank,
- General Correspondence,
- P.O. Box 98873,
- Las Vegas, NV 89193-8873.
- Note that mailing your request will take longer to process.
- Continue to pay any remaining balance monthly until it is fully paid.
- Understand that account closure will be processed after the balance is cleared.
- Be aware that after cancellation, future transactions will be declined, but any pending transactions may still process.
- Cash in any leftover rewards before cancelling, as they will expire once the account is closed.
Tips & Tricks for Canceling Credit One Bank
- Call the main customer service number (877-825-3242), but be prepared for many menu options that do not include a direct cancellation option. Keep pressing 0 or navigating menus until you reach a representative.
- Be persistent and patient, as Credit One is known to make cancelling difficult. Continuous calling and trying different options often is required.
- Be firm in your request to cancel. Representatives may offer incentives such as waiving monthly fees or increasing credit limits to keep you; firmly decline these offers.
- If calling fails, send a written cancellation letter via certified mail to the account inquiries address on your billing statement or official documents. Include your full name, account number, date, address, reason for cancellation, and signature.
- Request written confirmation of cancellation when you send your letter to have proof of your request.
- Try calling while pretending you want to make a payment and slip in the cancellation request during the same call for better connection with a representative.
- Escalate by disputing charges through credit bureaus or credit monitoring services after your cancellation to ensure account closure if the company is unresponsive.
- Cancel at the start or middle of the billing cycle to avoid being charged for the next month; monitor your statements carefully to confirm no further charges.
- Keep records of all calls, letters, and confirmations to help in any disputes or credit reporting issues that arise post-cancellation.
Credit One Bank Customer Service Info
If you need assistance, here's how you can get in touch with Credit One Bank's support team.
Cancel Credit One Bank Script
Script
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Dear Credit One Bank Customer Service,
I hope this message finds you well. I am reaching out to request the cancellation of my subscription with Credit One Bank. Due to personal financial adjustments, I need to evaluate and reduce my ongoing expenses, and unfortunately, this subscription is no longer feasible for me.
I would appreciate your assistance in processing this cancellation promptly. Thank you for your understanding.
Best regards,
Frequently Asked Questions
Credit One Bank allows members to cancel their participation in the Credit Protection Program at any time. If canceled within 30 days of the purchase date, members will not be billed any program fees, ensuring no charge if they decide the program is not for them within that period.
To cancel your subscription with Credit One Bank, you will need your account password along with other personal information such as your full name, phone number, email, username, billing address, card number, and last 4 digits of your Social Security Number. You can cancel by calling their customer service at 877-825-3242 and providing this information for verification. If you don't remember your password, you can reset it on their website here: https://www.creditonebank.com/forgotpassword. This ensures your identity is verified securely during the cancellation process.
- High fees, including annual fees that can be substantial.
- Better offers from other providers that provide more appealing benefits or lower costs.
- Not using the card anymore, leading to a desire to simplify finances.
- Seeking to avoid annual fees by canceling before card activation.
- Looking for refunds of annual fees when no purchases have been made after activation.
- Cancelation impacts credit score concerns due to changes in credit utilization or credit history length.
- Accounts not fully closed until balances are paid, which may discourage continuation.
- Wanting to switch to a card with better benefits or terms more suited to current financial goals.
Credit One Bank typically charges an annual fee when the account is opened, which can be quite high (e.g., $75 or $95). While you can cancel your credit card at any time by calling customer service or mailing a request, the annual fee is only refundable if you cancel before making any charges or within a short period (such as 30 days) after purchase. Canceling the card does not eliminate the obligation to pay the remaining balance on your account, and your account is not officially closed until the balance is fully paid. Additionally, you might encounter retention offers when trying to cancel, and there is no online cancellation option, which can make the process more cumbersome.
Before cancelling your Credit One Bank subscription or credit card, know that you must continue paying at least the minimum monthly balance until the account is fully paid, as the account isn't officially closed until then. You will lose access to the account's features including payment options, credit score monitoring, and any rewards which must be redeemed before cancellation since unredeemed rewards expire upon account closure. Cancelling may also temporarily impact your credit score and may affect your credit utilization ratio. It's important to update payment methods for recurring bills charged to the card to avoid payment issues after cancellation, and note that annual fees may still apply even if the balance is zero until the account is closed.
- Online account login credentials (username and password)
- Account number or credit card number associated with your Credit One Bank account
- Access to the "Pay Bill" page in your online account
- Knowledge of whether you are canceling AutoPay, a scheduled payment, or the credit card itself
- Customer Service phone number: 877-825-3242 (required for some payment types or card closure requests)
- Date and amount of the payment you want to cancel (for scheduled payments)
- Mailing address for cancellations by mail: Credit One Bank General Correspondence P.O. Box 98873 Las Vegas, NV 89193-8873
- Deadline for cancellations: Before 11:59 p.m. (Pacific Time) the day before the scheduled payment date
We've actually written a step by step guide on how to get a refund from Credit One Bank. Check it out!
The Easiest Way to Cancel Credit One Bank
If you’re frustrated trying to cancel your subscription, membership, or bill from Credit One Bank—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.
Start reclaiming your money today with Chargeback
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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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