Milestone Mastercard is an unsecured credit card aimed at people who have little or no credit history or have credit challenges. It helps users build credit by reporting payments to the major credit bureaus. The card does not require a security deposit but does charge an annual fee that is taken from your credit line when the account opens. You might see billing from Milestone Mastercard mainly from this annual fee or potential fees for late or returned payments.
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Cancelling a Milestone Mastercard subscription requires calling customer service or sending a written request by mail, both of which are straightforward but not instant. The process is relatively easy with clear instructions, but it involves waiting on the phone or mailing a request which adds to the time and slight inconvenience.
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minutes to cancel a Milestone Mastercard subscription.
How to Cancel Milestone Mastercard: Step by Step
If you purchased through Phone:
- Call customer service at (800) 305-0330.
- Ask the customer service representative to cancel your Milestone Mastercard account.
- Confirm that your account has been canceled.
If you purchased through Mail:
- Write a cancellation letter including your account details and request for cancellation.
- Mail the letter to the following address:
- Concora Credit
- PO Box 4477
- Beaverton, OR 97076-4477
- Monitor your account for confirmation of cancellation.
Tips & Tricks for Canceling Milestone Mastercard
- Call customer service directly at 1-800-305-0330 and firmly request cancellation.
- Use the Hang Up And Call Again (HUACA) tactic to reach different representatives to find one more willing to help.
- Cancel within 30 days of account opening if possible, as some users report easier fee waivers within this window.
- Be persistent and polite but firm; emphasize you no longer want the card and do not wish to incur fees.
- Ask if annual fees can be waived especially if you have not used the card or paid the fee yet.
- Escalate the call by requesting to speak with a supervisor or manager if initial reps refuse cancellation or fee waiver.
- Send a written cancellation request by mail as a formal escalation if phone calls fail (Concora Credit, PO Box 4477, Beaverton, OR 97076-4477).
- Check your state laws as some states require fee refunds if canceled promptly.
- Update or remove the card from recurring payments to avoid unexpected charges after cancellation.
- Expect to pay any outstanding balance even after cancellation until fully paid off.
- Utilize specific language: "I am requesting immediate cancellation and fee waiver due to [state law/30-day policy]."
- Time calls during regular business hours for a better chance of reaching knowledgeable reps.
- Document call details including rep names and confirmation numbers.
Milestone Mastercard Customer Service Info
If you need assistance, here's how you can get in touch with Milestone Mastercard's support team.
Cancel Milestone Mastercard Script
Script
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Dear Milestone Mastercard Team,
I hope this message finds you well. I am writing to formally request the cancellation of my Milestone Mastercard subscription. Due to recent financial assessments, I have decided to make adjustments to my accounts and unfortunately can no longer continue my subscription.
I would appreciate your confirmation of this cancellation. Thank you for your assistance in this matter.
Best regards,
Frequently Asked Questions
Milestone Mastercard allows you to cancel your account or subscriptions at any time by contacting customer service or sending a written request by mail. Monthly fees, such as for Credit Protection, will be charged monthly but canceled within the first 30 days of enrollment will be fully credited back. Any remaining balance on the canceled account must still be paid, and canceling may impact your credit score depending on your credit limit and account history.
To cancel your Milestone Mastercard subscription, you need to call their customer service at (800) 305-0330 and request cancellation. There is no clear indication that you must provide your password for cancellation when speaking with customer service, and you can also cancel by mail without mentioning a password. If you need to reset your password for other account management purposes, you can do so here: https://milestone.myfinanceservice.com/ResetPassword.
- High annual fees considered unreasonable, e.g., $150 to $175 yearly charges.
- Poor customer service with offshore phone reps who are poorly trained and scripted.
- Difficulty contacting support, often encountering dead phone lines or recorded messages requesting sensitive info.
- Reports of incorrect and multiple late payments being reported to credit bureaus with poor dispute resolution.
- Requirement for submission of sensitive documents like ID and social security card by mail or fax, causing suspicion.
- Lack of transparency and shady practices leading to customers feeling scammed or taken advantage of.
- Accounts closed with negative credit balances and no access afterward.
- No rewards program and high interest rate (around 35.9%).
- Monthly fees after the first year adding to the cost burden.
- Foreign transaction fees at around 1%.
- Concerns about credit impact causing people to cancel or avoid activation.
- Credit balance refunds requested if overpayment occurs, which can be inconvenient.
Milestone Mastercard can be tricky because it has a non-refundable annual fee unless you cancel within 30 days of account opening, and monthly fees start after the first year. You can't simply stop using the card to avoid fees; you must actively notify them to cancel to avoid ongoing charges. Also, you must pay off any remaining balance before cancellation, and closing the card may temporarily lower your credit score, so be aware of these potential landmines when deciding to cancel.
Before cancelling your Milestone Mastercard, be aware that you can cancel at any time, and if you do so within the first 30 days, any monthly fees charged will be credited back to you. The card includes a monthly fee based on your balance, which you will no longer be charged once cancelled. By cancelling, you lose access to specific benefits associated with the card, such as protections against events like involuntary termination from employment, disability, hospitalization, and natural disasters. It's important to consider these lost protections before deciding to cancel your account.
- Full name as it appears on the account
- Milestone Mastercard account number
- Mailing address associated with the account
- Phone number associated with the account
- Date of birth
- Social Security Number (full or last four digits, for identity verification)
- Any security PIN or password (if previously set on the account)
- Details of recent account activity (for further identity verification, if requested)
- Customer service number (usually required to call): (800) 305-0330
- Written cancellation request address: Concora Credit, PO Box 4477, Beaverton, OR 97076-4477 (when cancelling by mail)
- Update or cancel any recurring billing arrangements linked to your Milestone Mastercard
- Outstanding balance details (must be paid off even after cancellation)
We've actually written a step by step guide on how to get a refund from Milestone Mastercard. Check it out!
The Easiest Way to Cancel Milestone Mastercard
If you’re frustrated trying to cancel your subscription, membership, or bill from Milestone Mastercard—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 Milestone Mastercard?
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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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