Many CareCredit cardholders enroll in a security program when they first open their account. This program, often presented as a way to protect your account and credit, comes with a monthly fee. However, you might decide that the benefits don’t outweigh the cost and want to cancel this program. If you’re looking to remove this extra charge from your monthly statements, here’s a step-by-step guide on how to cancel your CareCredit card security program.
Canceling your CareCredit security program is generally a straightforward process. The most common and efficient method is to contact CareCredit directly. You can do this by phone or through their online portal. Before you begin, it’s a good idea to have your CareCredit card account number handy. This will help the customer service representative quickly locate your account and process your request efficiently.
Steps to Cancel by Phone:
- Find the Customer Service Number: Locate the CareCredit customer service phone number. This is typically found on the back of your CareCredit card, on your monthly statement, or on the official CareCredit website.
- Call Customer Service: Dial the customer service number. Be prepared to wait on hold, especially during peak hours.
- Identify Yourself and Your Account: Once connected to a representative, clearly state that you want to cancel your CareCredit security program. Provide your account number and any other identifying information they may request to verify your identity and account.
- Request Cancellation: Specifically request to cancel the security program associated with your CareCredit card. Be firm and clear in your request.
- Confirm Cancellation and Effective Date: Ask the representative to confirm that the security program has been canceled and ask for the date the cancellation will be effective from. It’s also wise to ask if you will receive any written confirmation of the cancellation, although this is not always provided.
- Review Your Next Statement: After you have requested cancellation, carefully review your next CareCredit statement to ensure that the security program charge is no longer present. If the charge is still there, contact CareCredit again immediately to rectify the situation.
Steps to Cancel Online (If Available):
While phone cancellation is the most reliable method, CareCredit’s website or mobile app might offer options to manage or cancel add-on services.
- Log into Your Account: Access your CareCredit account through the official website or mobile app.
- Navigate to Account Services or Security Program Settings: Look for sections like “Account Services,” “Protection Programs,” “Security Settings,” or similar. The exact location can vary depending on the website’s current layout.
- Find the Cancellation Option: If available, you should find an option to manage or cancel your security program within these settings. Follow the online prompts to submit your cancellation request.
- Confirm Online and Review Statement: If you cancel online, ensure you receive an online confirmation message. As with phone cancellation, always double-check your next statement to confirm the charge has been removed.
Important Considerations:
- Review Program Details: Before canceling, quickly review the terms of your security program to understand exactly what benefits you are giving up. For many, the cost outweighs the benefits, but it’s good to be informed.
- Cancellation Fees: Generally, there are no cancellation fees for security programs like this, as you are simply opting out of a recurring service. However, it’s worth confirming with the representative if you have any doubts.
- Timing: Cancel as soon as you decide you no longer want the program to avoid being charged for another month. Cancellation may not be immediate and could take a billing cycle to fully process.
By following these steps, you can successfully cancel your CareCredit card security program and remove the associated monthly charges. Always confirm the cancellation and monitor your statements to ensure the program has been properly removed from your account.
