TomoCredit offers a charge card that doesn’t require a credit score and requires you to pay your balance in full each billing cycle. They charge a monthly participation fee of $2.99, which adds up to about $35.88 a year. One of their key services is TomoBoost, a subscription feature where they report your monthly bill payments to credit bureaus to help boost your credit score, which comes with additional tiered fees. If you lose your card or have returned payments, there are extra fees for replacements or returned payments as well.
Difficulty
12345
678910
Easy
Medium
Very Hard
Cancelling a subscription or closing an account with TomoCredit involves logging into the account settings to disable automatic charges or emailing customer support for account closure, which is not instant and could take up to 2 days to process due to communication and waiting periods. Also, account closure may have implications on the credit report. Based on user feedback and the need to contact support, it is moderately difficult but not overly complex or impossible.
Estimated Time
On average, it takes
2 days
00
00
minutes to cancel a TomoCredit subscription.
How to Cancel TomoCredit: Step by Step
If you purchased through TomoCredit directly:
- Log in to your TomoCredit account.
- Navigate to the Settings section of your account.
- Locate the option for Cancel Subscription or Manage Payments.
- Follow the prompts to confirm your cancellation.
Tips & Tricks for Canceling TomoCredit
- Call at the start of business hours to increase chances of reaching customer service.
- Be persistent with multiple calls, as many users report needing several tries to get through.
- Use firm and clear language such as "I am requesting immediate cancellation and account closure."
- Document every contact attempt including dates and times for future escalation or disputes.
- Send a follow-up email after phone attempts requesting cancellation; reiterate the request firmly.
- Escalate by filing complaints with consumer protection agencies like the Attorney General if ignored.
- Do not give in to automated chatbots—they often disconnect or close cases without resolution.
- Avoid sharing sensitive information unnecessarily, due to reported email privacy issues with TomoCredit.
- Dispute unauthorized charges via your bank if TomoCredit continues billing after cancellation attempts.
- Consider timing payments around billing cycles to avoid additional charges during cancellation efforts.
TomoCredit Customer Service Info
If you need assistance, here's how you can get in touch with TomoCredit's support team.
Cancel TomoCredit Script
Script
Copy
Dear TomoCredit Team,
I hope this message finds you well. I am writing to request the cancellation of my subscription. Due to some unexpected financial changes, I am unable to continue with my membership at this time.
I appreciate the service I have received so far, and I hope to possibly return in the future once my situation stabilizes.
Thank you for your understanding and assistance with this matter.
Best regards,
Frequently Asked Questions
TomoCredit's subscription payments for services like TomoBoost are non-refundable. Users must opt out of each program individually to cancel memberships or subscriptions. For assistance, users can contact TomoCredit's support team at help@tomocredit.com.
To cancel your TomoCredit subscription, you can simply email help@tomocredit.com to close your Card and/or Account without needing to log in or provide a password. Since the cancellation is done via email, you don't need your password for this process. However, if you want to access your account online or reset your password, you can do so here: https://www.tomocredit.com/reset-password. This makes it easy to cancel even if you don't remember your login credentials.
- High monthly fees that customers feel are not justified by the service.
- Lack of clear customer service or contact options to easily cancel memberships or resolve issues.
- Difficulty in canceling memberships through the app or website, often described as impossible or very frustrating.
- Perceived lack of value or benefits from the service, leading customers to see it as a scam or not helpful for improving credit.
- Unexpected or unauthorized charges that customers are unable to stop or dispute effectively.
- Negative impact or no improvement on credit reports, making the subscription seem ineffective.
- General distrust due to public scrutiny and complaints about the service and its refund policies.
TomoCredit allows cancellation of a monthly membership with a 5 business days' notice, but subscription payments are non-refundable. There is no evidence of long-term contracts or early cancellation fees, but you should be aware that closing your account may have a slight short-term impact on your credit score as they report to credit bureaus. To cancel, you typically need to notify them via their website, app, or email, and it's best to keep records of your cancellation communication.
Before cancelling your TomoCredit subscription, keep in mind that you will lose access to credit-building features and any associated benefits like credit monitoring or boosters that help improve your credit score. Cancelling means you will no longer have the option to use features such as the Tomo Boost, which can help increase your available credit. Also, automatic payments linked to your account will stop, so be sure to settle any outstanding balances to avoid penalties or negative impacts on your credit. It's important to understand these considerations to avoid any disruptions in your credit-building progress.
- Full name associated with the TomoCredit account
- Email address used to register for TomoCredit
- Account or card number (if available/applicable)
- Reason for cancellation (optional, but sometimes requested)
- Payment/card details if seeking to stop future charges or request a refund
- Type of membership or product (if relevant, such as specific card product or subscription plan)
We've actually written a step by step guide on how to get a refund from TomoCredit. Check it out!
The Easiest Way to Cancel TomoCredit
If you’re frustrated trying to cancel your subscription, membership, or bill from TomoCredit—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 TomoCredit?
TomoCredit, TomoCredit Charge, TomoCredit Payment, TomoCredit Autopay, Tomo Credit Card Purchase
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.
.svg)
.svg)
.svg)
.svg)
.avif)
