How To Cancel Apple Card [5 Methods]

Apple is widely recognized for its significant contributions to consumer technology, but its influence extends beyond gadgets into the realm of finance. The company offers credit cards, backed by Goldman Sachs, designed for various Apple Pay purchases.

If you find yourself needing to cancel your Apple credit card, Apple provides straightforward methods for doing so, although there are important considerations to keep in mind.

The Apple Card, issued by Goldman Sachs, is a credit card designed to integrate seamlessly with the iPhone. This card is primarily used through the Apple Wallet app, enabling easy, secure, and contactless payments via Apple Pay, alongside offering cash back rewards.

Users can effortlessly manage their spending, handle payments, and oversee their finances directly from their iPhones, and canceling the card is equally convenient. Before proceeding with cancellation, it’s crucial to ensure that there are no outstanding dues, as unresolved balances will prevent the cancellation process.

If you’re uncertain about how to check for pending dues, rest assured there are simple steps to guide you. The best and most straightforward method to initiate your Apple Card cancellation request is outlined below.

After canceling, make sure to unlink the card from Apple Pay and update your payment method to avoid missing any financial obligations.

Can I Cancel An Apple Card Anytime?

Yes, Apple allows users to cancel their credit cards with ease, though certain terms and conditions apply. Here are key points to consider:

1. The account details of your Apple Card, including payment history and credit utilization, will be reported to credit bureaus even after cancellation.
2. Canceling a card, adding, or removing a participant generally does not directly impact the account owner’s credit report negatively.
3. Closing the account post-cancellation can sometimes affect the credit score adversely.
4. Once the card is canceled, all participants are automatically removed, and the account will appear as closed on the credit reports of both the owner and any participants.
5. For co-owned Apple Card accounts, either co-owner can close the account at any time after cancellation.
6. No new transactions can be made by account owners, co-owners, or participants after the card is canceled and the account is closed.
7. All outstanding balances must be paid off, including any charges that post after closing the account.
8. Check for any owed amounts that need to be settled before closing the account. You can view your balance and pay it off through the Wallet app.
9. Remove the Apple Card from automated billing accounts to prevent interruptions.
10. If using Apple Card Family, participants can be removed without closing the account, but co-owners cannot be removed without canceling the card and closing the account.

How To Cancel An Apple Card?

Canceling your Apple Card can be done through several methods. Ensure you understand the prerequisites and potential impacts, and have all necessary information at hand. Below are detailed methods to cancel your Apple Card.

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

1. Open the Wallet App
   • Unlock your iPhone and locate the “Wallet” app, usually pre-installed.
   • Tap to launch the app.
2. Select Your Apple Card
   • View all added cards in the app and select the Apple Card to see details like balance and transactions.
3. Access Card Options
   • Tap the three dots (ellipsis icon) in the top right corner for more options.
4. Scroll Down to Find Help
   • Navigate to the Help section by scrolling down.
5. Message Apple Support
   • Initiate an iMessage conversation with Apple Support by tapping “Message.”
   • Request to cancel your Apple Card, and Apple Support will guide you through the steps and confirm cancellation.

How To Cancel An Apple Card via Phone

1. Prepare to Call Support
   • Have your Apple ID and Apple Card details, like the card number, ready.
   • Ensure the card balance is clear before calling.
2. Call Apple Support
   • Dial 1-877-255-5923, the dedicated Apple Card Support line.
3. Request Account Closure
   • Communicate your intention to cancel the card and verify your identity.
   • Confirm that any outstanding balance has been paid off.
4. Follow the Steps Provided by the Representative
   • The representative will guide you through the closure process, ensuring you understand any potential credit impacts.

How To Cancel An Apple Card via Apple Card Website

1. Visit the Apple Card Account Website
   • Access the Apple Card website and sign in with your Apple ID.
2. Access Your Account Settings
   • Explore account information under “Settings” or “Account Management.”
3. Contact Apple Support
   • Use the live chat feature or initiate an account closure request via the website.

How To Cancel An Apple Card via Apple Support App

1. Open Apple Support App
   • Ensure you’re logged in with the Apple ID linked to your Apple Card.
2. Select Apple Card
   • Choose the relevant Apple Card from the list of devices and services.
3. Request Help from Support
   • Opt for messaging support or requesting a callback.
4. Complete the Process with Support
   • A representative will assist you through the cancellation and account closure.

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

1. Prepare Your Written Request
   • Draft a letter to Goldman Sachs with the following details:
     • Your full name as on the card account.
     • Your Apple Card account number.
     • A clear statement of your intent to cancel.
     • Your address and contact information.
2. Send the Letter to the Following Address:
   • Goldman Sachs Bank USA
     Lockbox 6112
     P.O. Box 7247
     Philadelphia, PA 19170-6112
3. Wait for Confirmation
   • Monitor your mail, email, or phone for confirmation, as processing may take several days or weeks.
4. Keep Copies of Your Correspondence
   • Retain copies of your letter and any communication received for your records.

Conclusion

Owning a credit card from Apple backed by Goldman Sachs offers numerous benefits, including no monthly or annual fees. When it’s time to cancel, the process is free of charge, provided all steps are followed correctly and any outstanding balance is cleared. Consider keeping the card with minimal use to maintain your credit history, as closing a credit card can affect your credit report for up to seven years.