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.
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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 minutes
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minutes to cancel a Grow Credit subscription.
How to Cancel Grow Credit: Step by Step
If you purchased through the Grow Credit website:
- Log into your Grow Credit account on the Grow Credit website.
- Click on the profile icon next to the "Log Out" button.
- Select Account Settings from the dropdown menu.
- Click on Close Account.
- Follow the prompts to complete the cancellation process.
- If you encounter issues, contact customer support via the chat box on the bottom right-hand corner or by emailing behappy@growcredit.com.
- Ensure you have paid any outstanding balance before your account is closed.
- Wait for confirmation from customer support that your account has been successfully closed.
If you purchased through the mobile app:
- Open the Grow Credit mobile app.
- Tap the circle with your initials located in the bottom right corner.
- Select Account Settings.
- Click on Close Account.
- Follow the prompts to finalize your cancellation.
- If needed, contact customer support through the app.
- Make sure to settle any existing account balances.
- Wait for confirmation from customer support that your account is closed.
Tips & Tricks for Canceling Grow Credit
- 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.
Grow Credit Customer Service Info
If you need assistance, here's how you can get in touch with Grow Credit's support team.
Cancel Grow Credit Script
Script
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Hello Grow Credit Team,
I hope this message finds you well. I am writing to request the cancellation of my subscription. After reevaluating my current financial commitments, I've decided that this service is no longer feasible for me at this time.
I appreciate the value your service provides, but I need to prioritize my other expenses. Please let me know if you require any additional information from my side to process this cancellation.
Thank you for your assistance.
Best regards,
Frequently Asked Questions
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.
- 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 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.
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 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)
We've actually written a step by step guide on how to get a refund from Grow Credit. Check it out!
The Easiest Way to Cancel Grow Credit
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.
Start reclaiming your money today with Chargeback
What Are Some Alternatives to Grow Credit?
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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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