How To Cancel Academy Credit Card

Many of the largest stores selling various of their services or products have partnered with banks to offer their customer credit cards. Sometimes store credit cards have many features enabling the cardholder to use the card as per their preferences but most are limited and have a small range of only in-store services. If you have availed Academy credit card believing it is similar to any other conventional credit card and now you are disappointed, no worries you cancel it, I have the ways mentioned for you.

The Academy Credit Card is a store credit card offered by Academy Sports + Outdoors. Customers avail of this card to earn rewards points on purchases made at Academy stores or online. The points earned can later be then redeemed for discounts on future purchases. The card mostly offers special financing offers like deferred interest on large purchases and has no annual fee. But again there are many like you who have other options, mostly better than all this.

Let’s cancel your Academy credit card. This guide will help you do so as I have explained different ways to do that and if you are yet to activate your card but decided on canceling, the method is also explained below. Remember that it’s something directly related to your finances and could have a significant impact on the same. Make sure you form a wise decision and to help you with that I have mentioned a few important pointers for you to know before you cancel your Academy credit card.

What To Know Before Canceling An Academy Credit Card?

Before you begin to cancel your Academy Credit Card, below are some important things to consider:

1. Impact on Credit Score:

• Credit Utilization: Canceling your credit card could affect your credit utilization ratio. It’s the percentage of available credit you’re utilizing. In case the Academy Credit Card comes with a significant credit limit, surrendering or closing it could increase your overall utilization ratio which potentially lowers your credit score.
• Length of Credit History: If your Academy Credit Card is linked with one of your older accounts, closing it could also reduce the average age of your credit accounts, which then further might also negatively impact your credit score.

2. Rewards and Points:

• Redeem Your Points: Check and ensure that you have redeemed any rewards points or certificates you’ve earned before you start to cancel, as they tend to expire after you have closed your account.
• Special Offers: Check and make sure about any pending rewards or special financing offers that you might lose access to after you have canceled the card and the account is closed.

3. Outstanding Balance:

• Pay Off the Balance: Ensure that your card has a zero balance before you put forward the request to cancel. You must check if there’s still even a small amount of outstanding balance, which you must clear and off otherwise you may continue to accrue interest if the account isn’t closed properly.
• Interest Rates: In case you’re canceling to avoid high interest rates, consider transferring the balance to a card with a lower rate first.

4. Automatic Payments:

• Update Payment Information: You are most likely to have linked some automatic payments to your Academy Credit Card, make sure to update them with another payment method before you start to cancel to avoid payments denials or service interruptions.

5. Timing Considerations:

• Credit Needs: If in the near future, you’re planning to apply for a mortgage, car loan, or other credit soon, I advise you to delay canceling the card, as it could temporarily affect your credit score.

Also, read How To Cancel Showmax Subscription

Academy Credit Card

Academy Sports + Outdoors provides a specific credit card known as the Academy Sports + Outdoors Credit Card. The card is mainly inclined towards loyal Academy shoppers who want to earn rewards and take many different advantages of special financing options.

Features of the Academy Credit Card:

1. Rewards Program:
   • Earn Points: 5 points for every $1 spent at Academy Sports + Outdoors stores or online.
   • Rewards Certificates: Points can be easily redeemed for Academy Sports + Outdoors rewards certificates, which can then later be used on future purchases.

2. Special Financing Offers:
   • Promotional financing on a variety of eligible purchases, like deferred interest for a specified period.
3. Exclusive Offers:
   • Cardholders may also receive exclusive discounts, promotions, and early access to sales.

General Terms:

• No Annual Fee: The card never comes with any annual fee.
• High APR: Like many of the similar store cards, it might also have a high annual percentage rate (APR), so it’s advised to pay off the balance monthly to avoid interest charges.

Can I Cancel Academy Credit Card Anytime?

Yes, you can cancel your Academy credit card anytime, make sure that you have understood the above-mentioned guidelines, prerequisites, terms and policies of the Academy and the concerned bank comenity and know exactly when to cancel.

How To Cancel an Academy Card Before Activation?

Yes, it’s possible and can be done easily. The quickest and only method in this concern is to call their customer support and put forward your concern, understand the process below;

Follow the simple steps below to cancel your Academy credit card over a phone call.

1. Dial Academy credit card bank at (877) 321-8509 from your registered mobile number.

2. Put forward your concern once you get connected to a representative that you wish to cancel your unactivated credit card with them.
3. You will be asked to answer some security questions for identity verification.
4. Make sure you remember all your account information. Provide all the required details. 
5. Cross-Verify with the customer service agent that your credit card has been canceled/processed or if there is any prerequisite pending before you finish the call. Ask for a confirmation message for your request for any future correspondence.

Keep checking for messages or emails from Academy Sports or Comenity Bank, following up on your cancel request. 

Also, read How To Cancel iCloud Subscription

How To Cancel an Academy Credit Card? 

There are a few different methods that I have mentioned below which will enable you to cancel your credit card with an Academy credit card. Understand the simple methods broken down into simple steps and select whichever process seems easy to you.

How To Cancel Academy Credit Card Online? 

The first easy method is to cancel your Academy credit card through the website with the simple steps mentioned as;

1. Go to the official website of Academy Sports.
2. Log in to your Academy credit card Account. 
3. Scroll down and look for the “Account Services” section and click on it. 
4. Click on the Close Account option. 
5. A warning notification will pop up on your screen showing the list of benefits you will lose after canceling your in-store credit card. 
6. Check the warning message as read and if you still wish to continue.
7. Follow the simple onscreen instructions and prompts and complete your cancellation process.

How To Cancel Academy Credit Card On Phone?

This one is another easy method to put forward your request by calling. Make sure before you call them you have your account information readily available. Information and details required are, your customer ID, the name listed on the account, and other general information.

Follow the simple steps below to cancel your subscription over a phone call.

1. Dial Academy credit card at (877) 321-8509 from your registered mobile number.

2. Put forward your concern once you get connected to a representative that you wish to cancel your credit card with them.
3. Answer the security questions for identity and account verification.
4. Make sure you remember all your account information. Provide all the required details. 
5. Cross-Verify with the customer service agent that your membership has been canceled/processed before you finish the call. Ask for a confirmation message for your request for any future correspondence. 

How To Cancel Academy Credit Card Via Mail?

You can also write a letter containing your request for cancellation of your Academy credit card;

1. Draft a detailed letter that clearly mentions your intention to cancel the Academy credit card.
2. Mention in the subject line “Cancel Credit card”. This ensures that request is next forwarded to the concerned department for quick procession.
3. Mention your concern about canceling and also support it with a simple and valid reason. Include important details like your name, billing address, account details, etc. 
4. Post the letter to the following Mailing Address:

Comenity Capital Bank, P.O. Box 183003, Columbus, OH 43218-3003

5. Check for any correspondence in the next couple of days on your mailbox and proceed as outlined.

Also, read How To Cancel Lionsgate Subscription

How To Freeze Academy Credit Card?

As freezing a credit card will restrict access to your credit report which will further make it difficult for someone to open new accounts in your name. Locking your card, on the other hand, will prevent any unauthorized transactions on your existing card.

Understand how can you proceed with this;

• Lock your card: If you come to know that your card is lost or stolen, you can get that locked immediately through the Academy credit card mobile app or website or by simply calling their customer support. This will help you prevent any further transactions until you unlock it or request a replacement card.

• Report a lost or stolen card: If you are sure about your card being lost or stolen, I would recommend you immediately contact Academy customer support and report it. They will cancel the card and upon approval from you will also send you a replacement.

Alternatives To Academy Credit Card

There are definitely alternatives to Academy credit cards. I have some of the top ones mentioned below, check which one suits your preferences and needs;

• Chase Sapphire Preferred Card: This card offers customers a welcome bonus of 60,000 points after they have spent $4,000 on purchases in the first 3 months from account opening. Customers can earn up to 2x points on travel and dining and 1 point per dollar spent on all other purchases. It comes with an annual fee of $95.
  
• Capital One Venture X Rewards Credit Card: This card also offers a welcome bonus of 75,000 miles after customers spend $4,000 on purchases in the first 3 months from account opening. This also offers provision to customers to earn 2x miles on all their purchases and they can also redeem their miles for travel or transfer them to travel partners. There is an annual fee for this which starts at $395.
  
• Marriott Bonvoy Boundless Credit Card: This card is a suitable option for frequent Marriott stays, as it offers a welcome bonus of 75,000 points after customers spend $3,000 on purchases in the first 3 months from account opening. Customers can also earn 6 Marriott Bonvoy points per dollar spent at Marriott Bonvoy Hotels and also 2 points per dollar which they spent on all the other purchases. The annual fees start at $95.
  
• Citi Double Cash Back Card: This card like others also offers a welcome bonus of $180 cash back after the customers spend $1,500 in purchases in the first 3 months from account opening. Customers are offered to earn unlimited 1% cash back on all their purchases upfront and also an additional 1% cash back as they pay them off. The best part is no annual fee.

• Blue Cash Preferred Card from American Express: Like others, this one also offers a welcome bonus of $300 statement credit after customers spend $6,000 on purchases in the first 6 months from account opening. Customers can earn 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%), 3% cash back at U.S. gas stations (up to $6,000 per year in purchases, then 1%), and 1% cash back on other purchases and the annual fee starts at $95.
  
• Discover it Student Chrome Card: The welcome bonus offered is up to $200 match after customers spend $1,000 in purchases in the first 3 months from account opening. Customers can also get a cash-back match on all the cash back they’ve earned at the end of first year. There is no annual fee.

Also, read How To Cancel AMC Stubs | Easy Methods To Follow

Conclusion 

There are numerous banks and other financial services along with many like Academy sports offering credit cards. It’s often considered good to buy an in-store credit card as they mostly come with no annual fee and few good benefits but you must also understand that they are limited in many factors and are mostly offered with high APR. If you are a frequent buyer or own some business involving large purchases from the card issuer you could leverage the benefits to the maximum otherwise the conventional credit cards offered by banks only are always good.

Frequently Asked Questions