The Payment Security Program at mycardsecurity.com is an optional protection service that helps cover your credit card payments if you face difficult situations like losing your job, being hospitalized, having a disability, or even in case of death. The program charges a small monthly fee based on your statement balance—$1.66 per $100 of your ending balance—so if your balance was $500, the fee would be $8.30. This fee only applies if you have a balance on your card that month and can be canceled anytime. Basically, if you qualify and have trouble paying due to covered events, the program helps by canceling your minimum payments or even your full balance depending on your situation.
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The cancellation process is straightforward and can be done at any time by simply calling the provided customer service number with relatively accessible hours. There is no indication of complex procedures, requiring only a phone call to cancel, which makes it quite easy but requires waiting for phone availability and potentially being on hold.
Estimated Time
On average, it takes 10 minutes 00 10 minutes to cancel a Payment Security Program subscription.
How to Cancel Payment Security Program: Step by Step
If you purchased through MyCardSecurity:
- Call Customer Service: Dial (800) 815-4051 during the business hours of 9:00 a.m. to 10:00 p.m. Eastern Time, Monday through Friday, and 9:00 a.m. to 6:00 p.m. Eastern Time on Saturday (except holidays).
- Write a Cancellation Letter: If you prefer to cancel by mail, send a cancellation request to: Payment Security, P.O. Box 740237, Atlanta, GA 30374-0237.
- Refund Eligibility: If you cancel within 90 days of enrollment, you will be eligible for a refund of any program fees that were charged.
If you need assistance, here's how you can get in touch with Payment Security Program's support team.
Tips and Tricks for Getting a Payment Security Program Refund
- Persistently insist on cancellation during every interaction with customer service representatives.
- Be firm and clear that you want to cancel the Payment Security Program immediately.
- Use strong language such as requesting refunds for charges and threatening to file complaints with regulatory agencies like the CFPB.
- Call the specific cancellation number frequently (often cited: 1-800-815-4051 for Synchrony-related programs) as representatives may be hard to reach or unhelpful initially.
- Demand explanations for the charges and how you were enrolled without clear consent.
- Escalate the issue through supervisory staff or by filing formal complaints if frontline reps refuse to cancel.
- Time your cancellation attempts after receiving notices or bills, as fees are often added in cycles and delaying cancellation may incur more charges.
- Document every interaction including names, dates, and times of calls with customer service to support any disputes or refund requests.
- Ignore automated or maintenance messages and keep trying as some users report website cancellations being disabled intentionally.
- Use online forums to find current contact tactics and share your experience, some users have found collective posting pressures helpful.
Why Do People Request Refunds from Payment Security Program
- Desire to stop paying program fees
- No longer needing the service
- Looking for easier or more convenient alternatives
- Difficulty or hassle in managing or cancelling the subscription
- Disputes or dissatisfaction with the service provided
- Financial reasons such as budgeting or cutting expenses
- Realization of no significant benefits from the program
- Change in credit card or payment preferences
- Found similar services offered for free or at lower cost
Payment Security Program Refund Script
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Dear Payment Security Program, 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,
Payment Security Program Refund Policy
The Payment Security Program from mycardsecurity.com allows members to cancel their subscription at any time. Upon cancellation, users lose access to the program unless they re-enroll and are approved. The program terms may change, and if any changes are unfavorable, members will be notified and given the option to cancel before the changes take effect.
The Easiest Way to Get a Payment Security Program Refund
If you’re frustrated trying to cancel your subscription, membership, or bill from Payment Security Program—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
Payment Security Payment Security Program mycardsecurity.com Synchrony Payment Security
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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