Overview
Credit Strong offers credit builder loans that help people build their credit and savings at the same time. They have three main types of accounts: MAGNUM, which builds large installment credit history with low monthly payments; Revolv, which is a revolving credit account designed to build credit quickly without monthly payments but with a yearly fee; and Instal, an entry-level account that balances credit building and savings with affordable monthly payments. Credit Strong reports your payment history to all three major credit bureaus and provides free monthly credit score updates. There's no hard credit check to open an account, and you can have multiple accounts. The accounts are secured by locked savings, so you're building credit safely. The company focuses on helping improve your credit by making timely payments, which is a big part of your credit score. It's like having a financial tool to build your credit history while also building savings, with customer support available if you need help.
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The information was directly obtained from Credit Strong's official website, creditstrong.com, which clearly describes the services in simple terms suitable for consumer understanding. The descriptions include product types, how they work, and benefits to consumers such as no hard credit check, free credit score updates, and the safety of FDIC-insured accounts, which altogether confirm the main services provided by Credit Strong.
How to Get a Credit Strong Refund: Step by Step
If you purchased through the Apple App Store:
- Open a web browser and go to reportaproblem.apple.com.
- Sign in with your Apple ID associated with the purchase.
- Locate your Credit Strong (Strong) membership or subscription purchase in the list.
- Click Request a refund next to the purchase.
- Select an appropriate Refund Reason such as "Subscription renewed without notice" or "Account was unused."
- Submit the refund request.
- If your refund request is initially denied or you don't receive a response, chat with Apple Support to escalate the request.
If you purchased through Google Play Store:
- Within 48 hours: Go to the Google Play refund page (https://support.google.com/googleplay/answer/7205930) and follow the instructions to request a refund directly.
- After 48 hours: If you are unable to get a refund through Google Play directly, contact Credit Strong support with your purchase receipt and Google Play email address to request assistance.
How to Contact Credit Strong
If you need assistance, here’s how you can get in touch with Credit Strong support team:
Tips and Tricks for Getting a Credit Strong Refund
- Be polite but firm in all communications to maintain professionalism.
- Request to speak directly to a supervisor if initial customer service reps are unhelpful.
- Keep detailed records of all interactions including dates, names, and what was discussed.
- Pay off any outstanding interest or fees promptly to avoid denial based on unpaid balances.
- Ask specifically for a refund of principal amounts since interest is generally non-refundable.
- Close the account promptly after requesting refund to minimize additional interest accrual.
- Use clear, direct language like "I am requesting a refund of my unused principal payments." Avoid vague phrasing.
- Escalate via formal complaints or BBB if phone/email requests are ignored or denied.
- Follow up persistently but respectfully and remind them you expect a resolution within a specific timeframe.
- Time your request around billing cycles to align with payment refunds.
- Leverage social proof by referencing other users' successes with refunds to bolster your case.
- Be aware refund policies may not be openly offered so explicitly ask to have unused funds returned.
- Consider submitting a dispute through your bank or payment platform if refund is unjustly denied.
Why Do People Request Refunds from Credit Strong
- No improvement in credit score after several months of payments, leading to dissatisfaction.
- Failure to receive statements or agreement copies despite automatic payments being deducted.
- Claims of fraud such as falsely reporting loans to credit bureaus without actual loans being given.
- Service perceived as a scam by customers who feel cheated and want their money back.
- Charging monthly fees without delivering promised results.
- Difficulty in obtaining refunds or account closures from the company.
Credit Strong Refund Script
Script
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Hello Credit Strong Team,
I hope this message finds you well. I am writing to bring to your attention a billing issue I encountered recently. I noticed an unexpected charge on my account that I believe was made in error. As I was not expecting this billing, it has left me quite dissatisfied with the recent experience.
I kindly request a review of this charge and a refund at your earliest convenience. I appreciate your attention to this matter and look forward to your prompt response.
Thank you for your understanding.
Best,
Credit Strong Refund Policy
Credit Strong's refund policy states that there are no early cancellation penalties, allowing customers to close their accounts at any time. However, it's important to note that certain fees, such as a non-refundable administrative fee of $15 or $25 depending on the account type, may apply when closing an account, which are not refundable.
The Easiest Way to Get a Credit Strong Refund
If you’re frustrated trying to get a refund from Credit Strong—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 card account, and we’ll take care of the rest.
Start reclaiming your money today with Chargeback
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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