How To Cancel Apple Card | Follow These Easy Methods

Apple is the epitome when it comes to consumer technology, but it’s not only what they are limited to. Finance is also a sector in which Apple holds a reputation and offers credit cards backed by Goldman Sachs, for various Apple pay purchases. Needs changes and if you now need to cancel your Apple credit card, Apple has easy ways for their members to get away easily. However, there are a few factors that you should understand and take care of while you cancel your Apple credit card, this guide will make you aware of all that.

The Apple Card is a credit card offered by Apple and issued by Goldman Sachs, designed to work seamlessly with the iPhone. It’s mainly used via the Apple Wallet app for simple, easy, secure, and contactless payments through Apple Pay. The card also provides cash back rewards on purchases. Users can track spending, make payments, and manage their finances right from their iPhones, and canceling is also easy. Meanwhile, we start with the cancellation, just check quickly, if there is any due pending, as you won’t be able to cancel with any due.

If you don’t know how to check that, worry not, I have mentioned quick easy steps, along with the simplest and best method to put forward your Apple card cancellation request. After you have canceled the Apple, make sure you unlink from Apple Pay as a payment method and update with a new one to avoid missing any payment or bill deadline.

Can I Cancel An Apple Card Anytime?

Yes, Apple allows simple and quick cancellation of tier credit cards, but there are definitely some terms and conditions that comes into play while you cancel, read below and understand, and then cancel accordingly;

• The account information of your Apple Card, like payment history and credit utilization, will be reported to credit bureaus and reflected in credit reports as your individual Apple Card account after you have canceled your Apple credit card. 
• There is no direct negative affect to the account owner’s credit report whenever you cancel a card, add or remove a participant. 
• Account owners after card cancellations can close the account at any time (process mentioned below), which could sometimes negatively impact their credit score.
• After you cancel the Apple card and close your Apple card account, all participants will be automatically removed from the account, and it will appear as closed on both the owner’s and participant’s credit reports. 
• If after canceling an Apple card you want to close a co-owned Apple Card account then either co-owner can close the shared Apple Card account at any time. 
• After a card is canceled and an account is closed, account co-owners and participants can’t then make new transactions. 
• Account owners and co-owners must continue to pay towards their Apple Card until the total outstanding balance of the account is nil which includes any amounts that post after you close the account. 
• Check if you owe money that you need to pay it off before you can cancel and close the account. You can check your balance in the Wallet app by selecting your Apple Card and viewing recent transactions or statements. You can also pay off the balance directly from your Wallet app. 
• Ensure that you remove Apple Cards from automated bills, like utilities, or accounts that you use for online purchases. 
• If you use Apple Card Family, you can remove a participant without any need of closing the account, but you cannot remove a co-owner from your account and then you will have to cancel the Apple card, and you must close the account.

Also, read How To Cancel Order On eBay As Seller | Follow These Steps

How To Cancel An Apple Card?

You can cancel your Apple card by applying different methods. Hope you understand the prerequisites and repercussions and have all your account and Apple card information ready. I have explained below all methods possible, check which one suits your feasibility and go ahead. 

How To Cancel An Apple Card via The Wallet App on Your iPhone

Let’s understand the first method;

1. Open the Wallet App
   • Unlock your iPhone and find the “Wallet” app (mostly pre-installed on iPhones).
   • Launch the app by tapping on it.

2. Select Your Apple Card
   • Once the Wallet app opens, you’ll see all the cards you have added.
   • Tap on the concerned Apple Card to open its details and view your card balance, recent transactions, etc.

3. Access Card Options
   • In the top right corner, you’ll see three dots (ellipsis icon). Tap on this icon to open more options for your Apple Card.

4. Scroll Down to Find Help
   • In the next menu that appears, scroll all the way down to the Help section.

5. Message Apple Support
   • Tap on Message to start a conversation with Apple Support through iMessage.
   • Type a request message to cancel your Apple Card.
   • Apple Support will guide you through the process, any final steps and confirm the cancellation.

Also, read How To Cancel My Progressive Insurance | Cancel With These Steps

How To Cancel An Apple Card via Calling?

This is another easy method, read below the simple steps and apply;

1. Prepare to Call Support
   • Before you call Apple support, make sure you have your Apple ID and Apple Card details like your card number readily available.
   • Confirm again that your Apple Card balance is clear. If not, you’ll have to pay it off before proceeding.

2. Call Apple Support
   • Dial 1-877-255-5923, which is the dedicated line for Apple Card Support.

3. Request Account Closure
   • Once connected, mention your concern and let the support representative understand that you’d like to cancel your Apple Card.
   • You would be asked to verify your identity (via security questions, your Apple ID, or device verification) along with confirming that you’ve paid off any Apple card outstanding balance.

4. Follow the Steps Provided by the Representative
   • The support representative will guide you through the process, and will ask a few more questions and confirm the closure of your account. Make sure that you ask and understand about any potential impacts on your credit.

Also, read How To Cancel Geico Insurance | Follow These Simple Steps

How To Cancel An Apple Card via Apple Card Website?

Yes, you can also cancel your credit card from the Apple website, if you aren’t using the app or it seems complex to you;

1. Visit the Apple Card Account Website
   • Go to the Apple Card website.
   • Sign in using your Apple ID (the same one linked to your Apple Card).

2. Access Your Account Settings
   • After you have logged in, you can view your Apple Card account information.
   • Under “Settings” or “Account Management”, there is an option to manage your account or access customer support.

3. Contact Apple Support
   • Use the website’s live chat feature to chat with support, alternatively, there is also a section that directly allows you to initiate an account closure request.
   • Follow the simple on screen instructions and complete the cancellation process.

Also, read How To Cancel Geico Insurance | Follow These Simple Steps

How To Cancel An Apple Card via Apple Support App?

Apple support app also allows you to forward any cancelation requests related to your Apple credit cards, understand the process below;

1. Open Apple Support App
   • Launch the app (make sure you are logged in with the same ID which is associated with your Apple Card).

2. Select Apple Card
   • After you have signed in, the app will show a list of your Apple devices and services.
   • Find and choose the concerned Apple Card from the list.

3. Request Help from Support
   • In the Apple Card section, you’ll see options to message support or request a callback.
   • You can select your preferred method.

4. Complete the Process with Support
   • A support representative will assist you complete the cancellation process along with confirming the closure of your account.

Also, read How To Cancel Cox Internet | Follow These Steps

How To Cancel An Apple Card via Mail (Goldman Sachs)?

Apple credit cards are issued by Goldman Sachs bank and you can also directly each out to them for requesting to cancel your Apple card, know the simple steps to process below;

1. Prepare Your Written Request
   • Draft a formal letter to Goldman Sachs (the issuer of Apple Card) and make sure that you include the following information in the letter;

• Your full name as it appears on your Apple Card account. 
• Your Apple Card account number (you can find this in the Wallet app). 
• A clear statement along with a reason, that you want to cancel your Apple card. 
• Your address and contact information in case they need to reach you.

2. Send the Letter to the Following Address;
   Goldman Sachs Bank USA
   Lockbox 6112
   P.O. Box 7247
   Philadelphia, PA 19170-6112
   • Double check the mailing address to avoid any delays or miscommunication.

3. Wait for Confirmation
   • It could take several days or sometimes weeks for the account to be officially closed via mail and this depends upon postal service times and processing. Don’t forget to monitor your mail, email or phone for any guidelines and follow-up from Goldman Sachs.

4. Keep Copies of Your Correspondence
   • For your records, save a copy of the letter you have sent and any communication you have received in return. You shall also track the mail to ensure it was rightly delivered.

Also, read How To Cancel Nutrisystem | Follow The Easy Steps

Conclusion

Availing a credit card and that too from an organization like Apple in collaboration with Goldman Sachs comes with various advantages. There are no monthly or annual maintenance fees or charges and when you close your account and cancel your Apple card, they won’t ask for any fee, you just need to take care of the process to be followed rightly and make sure you have cleared any outstanding balance. Instead of complete cancellation, a card which comes with no fees could be saved as it as but with minimum usage, because closing a credit card will reflect on your credit report for next seven years.