Many users often overlook billing details until an unexpected charge catches them off guard—perhaps due to an automatic subscription renewal. This guide is here to demystify the process of refunds with Viva Credit, detailing who is eligible and providing clear steps to request your money back quickly and easily. We aim to assist you in navigating this aspect of your account, ensuring you have the information needed to manage your finances effectively.
What You Should Prepare Before Applying For Refund
Account Information: Your registered email address and account number with Viva Credit.
Transaction Details: The specific transaction ID for the loan or service you are requesting a refund for.
Loan Agreement: A copy of the loan agreement or contract associated with the transaction.
Proof of Payment: Bank statements or receipts confirming the payment made to Viva Credit.
Refund Request Form: Complete any specific refund request form provided on the Viva Credit website.
Communication Records: Any emails or correspondence with Viva Credit regarding the service or refund request.
Reason for Refund: A clear explanation of why you are requesting the refund, including any relevant details related to the service delivery or issues experienced.
Supporting Documentation: Any additional documents that may support your request, such as screenshots or letters confirming service failure.
How Long Does it Take to Get a Refund?
Payment method
How long it takes*
Credit Card
3-5 working days
Debit Card
3-5 working days
Bank Transfer
5-7 working days
Mobile Payment
3-5 working days
*Working days are Monday to Friday, and don't include public holidays.
What are my Rights? Am I eligible for a Refund from Viva Credit
Viva Credit offers a range of financial products, including personal loans and credit services designed to improve your financial flexibility. Understanding your rights regarding refunds is essential in managing your account and ensuring you are fully informed about your eligibility.
Users may qualify for a refund under specific circumstances, particularly related to how services are accessed or changed. Below are situations specifically relevant to Viva Credit that might result in eligibility for a refund:
Loan Application Withdrawals: If you have initiated a loan application but choose to withdraw your application before it is processed, you may be eligible for a refund of any associated fees.
Prepaid Loan Management Fees: In certain cases, if you have prepaid any management fees and later cancel your loan agreement prior to the disbursement of funds, you might be eligible for a refund of those fees.
Service Modifications: If you modify your loan terms or adjust your repayment schedule and it results in a change in fees that were already paid, you may qualify for a refund based on those changes.
Ineligible Applications: If your application does not meet the eligibility criteria after submission, leading to subsequent processing fees, you could be eligible for a refund of those fees.
Please note that all refund eligibility is subject to Viva Credit's terms and conditions, and it's always best to review your account or consult with customer support for specific inquiries regarding your situation.
Step-by-Step Process to Request Your Viva Credit Refund Like a Pro
Scroll to the bottom of the page and click on "Contact" or "Help" to find customer service options.
Use the provided contact form or email support and clearly state your intent to request a refund for your membership or subscription.
Mention that the subscription renewed without sufficient notice.
Emphasize that the account was unused during the billing period.
Fill out any required information in the form, including your account details and order number if applicable.
Submit the request and wait for a confirmation email regarding your refund status.
If you purchased through Apple:
Open the Settings app on your iPhone or iPad.
Tap your Apple ID at the top of the screen.
Select Subscriptions to view your active subscriptions.
Find and select your Viva Credit subscription.
Scroll down and tap on Report a Problem.
Choose the relevant issue and indicate you want a refund.
Mention that you were charged without clear communication.
If applicable, state that you did not utilize your membership during the billing cycle.
Follow the prompts to complete your request.
If you purchased through Google Play:
Open the Google Play Store app on your device.
Tap on the Menu icon (three horizontal lines) in the top-left corner.
Select Subscriptions to see your active subscriptions.
Choose your Viva Credit subscription.
Tap on Cancel Subscription to cancel your subscription first.
After cancellation, tap on Report a problem on the subscription page.
Indicate that a refund is needed due to lack of usage or unexpected renewal.
Mention any issues regarding communication about the renewal.
Submit your report to request the refund.
If you purchased through Roku:
Go to your Roku device and navigate to the Home screen.
Scroll to the Streaming Channels section and select My Channels.
Select the Viva Credit channel, and then press the * button on your remote.
Choose Manage Subscription.
Find the option to unsubscribe or cancel your subscription.
Visit the Roku website and navigate to the Help section for billing inquiries.
Use the contact form or chat support to request a refund.
Mention that there was insufficient notice before renewal.
Specify that the service was not utilized if applicable.
Submit your request through the appropriate channel.
Disclaimer
Chargeback is an independent consumer resource that provides educational information to help users understand how to cancel, manage, or request refunds for various subscriptions. We are not affiliated with, endorsed by, or sponsored by any of the companies mentioned on this site. All trademarks, logos, and brand names are the property of their respective owners.
The information we provide is based on publicly available sources and user reports and may contain inaccuracies or become outdated over time. Our guides are intended for general informational purposes only and should not be relied upon as official company instructions or legal advice.
Consumers are solely responsible for reviewing their own contracts, terms of service, and refund or cancellation obligations before taking any action. Nothing on this site should be interpreted as legal, financial, or contractual guidance.
Chargeback does not encourage or condone disputing valid charges, misrepresenting transactions, or taking any action that could violate a company's terms, service agreement, or applicable laws. We promote fair, transparent, and lawful communication between consumers and businesses.
On [Billing Date], I experienced a billing situation as follows: [describe reason].
I would like to request a refund in the amount of [Amount]. I have attached relevant documentation to support my request.
Could you please confirm receipt of this email and provide a response within 3-5 business days? Your assistance with this matter is greatly appreciated.
Thank you for your attention.
Sincerely,
[Your Name]
[Your Phone Number]
Common refund statuses
Status
Meaning
What It Means for You
Pending
The refund request has been initiated but not yet reviewed.
Your request is waiting for approval. You will receive an update shortly.
Processing
The refund is currently being processed.
Your refund is being handled. Expect it to be completed within 3-5 business days.
Refunded
The refund has been approved and completed.
You should see the funds returned to your account within 1-2 business days.
Partially Refunded
A portion of your total amount has been refunded.
Check your account for the refunded amount; the remaining balance is still outstanding.
Completed
The refund process is fully finalized.
No further action is needed; the refund is successfully processed.
Canceled
The refund request has been canceled.
Your refund request will not be processed. If this is an error, please contact customer support.
Real User Scenarios: When and How Refunds Were Successfully Claimed
At Viva Credit, customers often find themselves in situations where a refund becomes necessary due to various account or service-related inquiries. Here are a few scenarios illustrating how users successfully claimed refunds.
Subscription Overlap: A user upgraded their subscription to access additional features but later realized they only needed the basic plan. After reviewing their account, they contacted support and clarified their situation, leading to a successful refund for the difference in charges for the month.
Misunderstanding of Trial Period: A customer signed up for a trial but mistakenly thought it was a paid subscription. After reaching out to customer service to discuss the features included in the trial, they received a full refund for the charges incurred during that period.
Account Management Query: A client was billed for a service they believed was paused for an ongoing promotion. By initiating a conversation with customer support to confirm the status of their account, they were able to resolve the confusion and receive a refund for the unintended charge.
Service Interruption Refund: A user experienced a temporary service disruption that affected their ability to use their subscription. By reporting the issue through the support portal, they were granted a refund reflecting the downtime experienced during that period.
The Easiest Way to Get a Viva Credit Refund
If you're frustrated trying to get a refund from Viva 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 card account, and we'll take care of the rest.
How to Track Your Refund Status Efficiently
Tracking your refund status with Viva Credit is straightforward when you know where to look and what updates to expect. Here are some efficient ways to keep an eye on your refund progress:
Check Your Email: Viva Credit communicates refund updates primarily through email. Look for emails from support@vivacredit.ro, where you’ll find notifications about your refund request and its current status.
Use the Viva Credit Mobile App: If you have the Viva Credit app, you can track your refund status directly from there. Navigate to the Transactions section to find detailed information about your refund.
Visit Your Account Dashboard: Log in to your account on vivacredit.ro and head to the Order History section. Here, you can find the status of your refund along with any related notes.
Monitor Your Billing Section: In your account settings, the Billing section provides insights into financial transactions, including refunds. This is updated in real time, ensuring you have the latest information.
Progress Updates: Expect to receive updates throughout the refund process. Viva Credit typically sends notifications when your refund is initiated, processed, and completed, making it easier to stay informed.
FAQ
If you forgot to cancel your subscription on time, unfortunately, we are unable to process a refund for the charges incurred. We recommend reviewing your account and subscription details to ensure timely cancellations in the future.
Refunds from Viva Credit typically take between 3 to 5 business days to appear in your account, depending on your bank's processing times. While we initiate the refund as quickly as possible, the actual timing may vary based on your financial institution's policies.
If you see a charge for Viva Credit but do not have an active subscription, we recommend checking your account for any previous transactions or subscriptions. If you still believe the charge is incorrect, please contact our customer support team with the relevant details for further assistance.
If you are unable to secure a refund directly from Viva Credit, you may consider reaching out to their customer service team again for further assistance. Additionally, reviewing your account details and understanding the policies in place might provide further clarity on your situation. If necessary, escalating your inquiry within Viva Credit's support system could also yield additional options.
If Viva Credit refuses to issue a refund, you may want to carefully review their refund policy to ensure all criteria are met. Consider reaching out to their customer support again for clarification or further information on your request. Additionally, double-check your account details to confirm everything aligns with their processing requirements.
Chargeback and the Chargeback trademarks used herein are trademarks or registered trademarks of Chargeback and its affiliates. The use of any other trade name, copyright, or trademark is for identification and reference purposes only and does not imply any association with the copyright or trademark holder of their product or brand. Other product and company names mentioned herein are the property of their respective owners.
¹ Total savings is calculated based on internal annualized estimates of savings for customers. ² Average requests times may vary depending on volume of requests
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