Only 3 Easy Steps on How to Cancel Atlas Credit Card: A Complete Guide

Acquiring credit cards can be tough nowadays. People often hesitate due to high interest rates and the fear of overspending or missing payments, which can harm their credit score. While research shows these credit card fears aren’t always true but this is where Atlas credit cards come in, offering better benefits and helping you manage your credit score. While Atlas credit cards have gained popularity, it’s also important to know how to cancel them, whether in an emergency or just a regular situation. Here’s a simple guide on how to cancel Atlas credit card.

Why do people love Atlas credit cards? 

1) Smart Pay builds your credit. The smart payment makes sure that you pay at least some amount towards your credit every week to improve your credit score. Because the consistent payment of your credits builds a good score. You can manually control this feature by scheduling the payment dates. 

2) Rewards Program: Unlike any debit card, for any payment of your bills, you don’t get anything in return but with Atlas, you get cashback for all your bill payments 

3) No interest: Unlike any normal credit card payment, with the Atlas credit card, you just have to pay a monthly subscription fee of $8.99 per month but don’t have to worry about heavy interest rates haunting you by the end of the cycle. 

4) Atlas Benefits :- Plus you get to use an extra wide variety of other features on Atlas with this annual subscription fee which can not only improve your credit score but also help you get and grow your spend power (with secured and unsecured credit limit), deposit option to save money, complete control of canceling the card on your own, useful rewards and awards, track your credit score, and wide range of usage (just like MasterCard and VISA) 

5) Approvals –On Average 20-30% of any bank’s customers are approved for credit cards but with Atlas credit card they have 80-90% of approvals going on by being compliant with the bank rules and regulations.

How to cancel Atlas credit card by email? 

To cancel your Atlas credit card, email your cancellation request to support@atlasfin.com. Atlas customer support typically responds within a few hours, and the entire cancellation process generally takes 1-2 business days.

How to cancel Atlas credit card by phone? | How to cancel Atlas credit card quickly ?

The quickest way to cancel Atlas credit card by phone is by logging into their phone application. 

Move 1 – Click On the “Cards” button and then the “My Cards” button. 

Move 2 – You can see both “Atlas physical credit card” and “Atlas virtual credit card” here. 

Select any either of them. 

Move 3 – Toggle ‘Allow Transactions’ to cancel your Atlas credit card by phone.

You could always learn the process of how to cancel Atlas credit card by phone by reaching Atlas customer support at (415) 417-1706 and you will be asked to follow certain steps.

We recommend online chat on their website for faster response. 

How to cancel your Atlas credit card online? | How to cancel Atlas credit card membership? 

Usually, your Atlas account can be best controlled from your phone application. So it’s always imperative to download the phone app or at least have your access ready on the web to your Atlas account. 

Their support team will assess your inquiry and reply within 1-2 business days. Accounts may only be closed if all outstanding balances have been settled. Please ensure any pending balances are cleared before requesting closure of your account. 

Closing your account will not only cancel Atlas credit card online but will also automatically cancel your membership. 

How to cancel Atlas credit card without penalty?

To avoid any penalty, avoid fraudulent and suspicious activity. If the company cancels your credit card and account upon any suspicious activity your account would be deactivated (sometimes even without any intimation) and your deposit money would be locked. It would take days for Atlas to verify your prior transaction and refund the money. In some cases, we researched, that the customer had to send regular emails to get their deposit money back. In such cases, the company could still penalize their customer while canceling atlas credit cards. 

How to cancel atlas credit card without hurting your credit score ?

To avoid hurting your credit score, make sure you don’t keep any credit amount dues. You will have to settle this due amount before raising a credit card cancellation request. If you keep your balance due, the company might report the same to the Credit recording bureaus further decreasing your credit score. 

Also, don’t just cancel your atlas credit card and again report a new account/credit card immediately. Be mindful before canceling your credit card, as your initial credit score could hurt due to new account reporting. 

Frequently Asked Questions | FAQ 

Atlas credit card customer care? 

You can either connect them through email at support@atlasfin.com 

Generally chatting on their website is termed as the quickest way to solve their customer queries. 

Customers could experience a waiting period of between 2 minutes to 5 minutes before connecting to customer care on the phone. 

Atlas credit card offers 

Is Atlas credit card secure? 

Yes, atlas takes their customer’s transaction security very seriously. 

Your Atlas Card is secured by MasterCard Zero Liability Protection, ensuring you won’t be accountable for unauthorized purchases if your card is lost or stolen. Feel free to reach out to our support team for any inquiries regarding Zero Liability coverage or if you suspect unauthorized activity.

Atlas advocates for its customers to stay away from phishing websites. In case their customers are not sure of the website while spending money, they can opt to activate a one-time use of a virtual credit card also, to up their security game. This card can only be used once and will automatically get destroyed. 

How is credit score judged? 

1) Your Atlas account should be old. Avoid just creating an account with Atlas and canceling it. 

2) Ur credit should be timely paid. Ensure the balance in your linked account. Though the smart pay option ensures checking the amount available in your linked account, multiple failures to maintain this minimal amount could lead to failure of smart pay which could impact your credit score again 

3) Make sure you don’t have any credits due before canceling the credit card. Trying to cancel Atlas’s credit card without settling the dues could send a bad remark. 

4) You don’t make any fraudulent payment activities (intentionally/unintentionally) which could lead to blocking your account. Further disrupting your smart payment schedule and missing your credit payment could affect your credit score 

what bank holds my fund? 

All your deposited money sits with Evolve Bank and Trust. Evolve Bank was founded in 1925 as a small bank which has indeed evolved as a financial service institution ever since. It does have a reputation to vouch for all these trailing years except for an incident where Synapse went bankrupt while it used Evolve Bank and Trust to deposit its money. However, Evolve came out publicly saying that all the money they had was transferred to Synapse.