The Apple Card has gained popularity because of its cash-back offers, top-level security features, fast approval requests, and no annual fee benefit.
According to Experian, consumers own an average of 3.9 credit cards. If you think it’s okay to cancel your Apple Card because you have other credit cards with better features, there’s one thing you must know.
Canceling your Apple Card might affect your credit score.
The FICO score is the most commonly used model for measuring credit. According to the FICO score model, the three factors that significantly affect your credit score are:
- Payment History: 35%
- Credit Utilization: 30%
- Credit History Length: 15%
Canceling your Apple Card will affect your credit utilization rate and credit history length.
Credit utilization is the ratio of outstanding credit card balances to available credit. If you close your Apple Card, your total available credit will decrease, and your credit utilization rate will increase.
If you have owned the Apple Card for a long time, canceling it will shorten your credit history length and can affect your credit history.
However, if you’re sure canceling your Apple Card is your best option to manage your expenses and save money, read on.
How to Cancel Your Apple Card
You can cancel your Apple card by opening the Wallet app on your iPhone and tapping “App Card.” Chat with an Apple Card specialist on the “Message” page.
You can also cancel your Apple subscription by calling Apple Card Support at 1-877-255-5923.
How to Cancel Apple Card Subscription on iPhone
Canceling your Apple Card using an iPhone is a two-step process.
First, you must initiate the cancelation process on your iPhone. Second, you must confirm the cancelation request by chatting with an Apple Card specialist.
Follow the steps below to cancel your Apple Card subscription using your iPhone.
- Open the Wallet Card.
- Tap “Apple Card.”
- Tap the “More.”
- Tap “Card Details.”
- Tap the “Message.”
- Chat with an Apple Card specialist.
Confirm the cancelation of the Apple Card with the specialist. Decline special offers or discounts and ask them to email confirmation that your card has been canceled.
Related articles: How to Find Saved Cards on iPhone
How to Cancel Apple Card Subscription by Calling Customer Service
Follow the steps below to cancel your Apple Card subscription by calling customer service at 1-877-255-5923.
1. Prepare the following information before calling Apple Card Support:
- Credit card details
- Full name
- Mobile number
- Billing address
- Email address
2. Call Apple Card Support.
3. Follow the automated prompts until you connect with an Apple Card specialist.
4. Inform the Apple Card specialist that you are canceling your Apple card subscription. Explain why you decided to cancel.
5. Expect them to present special offers and discounts to convince you to keep your Apple Card.
6. Decline all the offers and reiterate your decision to cancel.
Ask customer service to email confirmation that your subscription was canceled.
How to Cancel Apple Card on the App Store
Follow the steps below to cancel your Apple Card on the App Store.
- Go to the Apple Customer Support Page.
- Click “Billings and Subscriptions.”
- Click “Start your cancelation.”
- You’ll be taken to the App Store & iTunes app.
- Open “Settings”.
- Tap your name.
- Tap “Subscriptions”.
- Tap “Apple Card”.
- Tap “Cancel Subscription”.
💡Note: Once your Apple subscription has been closed, your account will be immediately deactivated, and transactions will no longer be allowed.
You’ll be responsible for paying any outstanding balance on the card.
How to Remove Apple Card From Your Device
After you’ve closed your Apple Card account, the next step is to remove it from your devices. Follow the steps below to remove the Apple Card from your iPhone, Apple Watch, and Mac.
1. iPhone
- Open Wallet App.
- Tap “Apple Card”.
- Tap the “More”
- Go to “Card Details.”
- Tap “Remove this Card”
2. Apple Watch
- Open Wallet App.
- Tap “Apple Card”.
- Tap “Remove”.
3. Mac
- Go to “Systems Setting.”
- Select “Wallet & App Pay”.
- Click “Apple Card”.
- Click “Remove”.
What Happens If You Cancel an Apple Card Family Account?
If you subscribed to an Apple Card Family account, once your subscription has been canceled, it will no longer be accessible to anyone in the shared account.
Transactions that are attempted after the card has been canceled will be declined. The account owner and the co-owners shall be responsible for paying off the account’s outstanding balance.
Frequently Asked Questions (FAQs)
How do I cancel a scheduled Apple card payment?
- Open the Wallet app on your iPhone.
- Click “Apple Card”.
- Go to “Latest Transactions.”
- Select the payment you want to cancel.
- Select the payment again.
- Tap “Cancel Payment”.
You can expect Apple to refund you within five business days.
How do I cancel my Apple credit card application?
To cancel your Apple credit card application, call customer support at 1-877-255-5923. Follow the automated prompts until an Apple Card specialist takes over the call.
Inform the specialist that you want to cancel your Apple credit card application. Your credit card application should be canceled immediately.
How do I cancel a dispute on my Apple card?
- Open the Wallet app on your iPhone.
- Click “Apple Card”.
- Go to “Latest Transactions.”.
- Tap the transaction that you want to dispute.
- Under “Transaction History,” tap the transaction again.
- Tap “Report an Issue.”
- Select the issue surrounding the transaction, then tap “Continue.”
- Tap “Continue to Chat.”
- Wait for the pre-written message to appear, then tap “Send.”
You might be directed to an Apple Card specialist or be sent a form requesting more information about the dispute. Fill out the form and submit it. Goldman Sachs will notify you about the status of your dispute.
Summary
Cancel your Apple card by contacting an Apple Card specialist. You can do this on your iPhone by starting a chat session, calling customer service at 1-877-255-5923, and online via the App Store & iTunes app.
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