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Steps to close the account
- Check the balance and pay it off if you can. A closed account with a balance still accrues interest and still needs monthly payments.
- Move any subscriptions billed to the card to another payment method.
- Email [email protected] and write that you want to close your Arro Card account. Include your name and the phone number on the account.
- Ask for written confirmation of the closing date and a zero balance.
- Turn off autopay only after the final payment clears.
- Check your credit reports in 30 to 60 days. The account should show as closed at your request.
WalletHub's Q&A confirms the email route and notes that there is no cardholder phone line.
Time it around the membership fee
The membership renews each year at up to $60 a year. If you plan to leave, send your request well before the renewal date so the next fee is not charged. Arro does not publish a refund policy for fees already charged, so ask about it in the same email.
What closing does to your credit
| Effect | Why |
|---|---|
| Utilization may rise | You lose that credit limit from your total |
| Average account age may fall later | Closed accounts in good standing stay on reports for years, then drop off |
| Payment history stays | On-time payments already reported remain |
On a card with a few hundred dollars of limit the utilization effect is small. If Arro is your only credit account, open a replacement first so your file does not go quiet.
Reasons people leave
- They qualified for a card with no annual fee.
- The limit stayed too small to be useful.
- Problems with payments, card delivery or reporting, covered in Arro complaints.
Cancelling the Credit Builder instead
The Arro Credit Builder is a separate subscription. Arro describes the monthly plan as cancel anytime. Closing the card does not automatically cancel it, so mention both products in your email if you hold both.
Copy-ready cancellation message
Subject: Request to close my Arro Card account
Hello,
Please close my Arro Card account.
Name on account: [full name]
Phone on account: [number]
My balance is [$0 / $amount, which I will pay by date]. Please confirm in writing the date the account is closed, that it will be reported as closed at my request, and that no further membership fee will be charged. [I also hold the Arro Credit Builder and want that cancelled too.]
Thank you,
[Name]
Before you close: a quick check
| Question | If yes |
|---|---|
| Is Arro your only credit account? | Open a replacement first so your file stays active |
| Is the renewal fee due within a month? | Send the request now |
| Do you still carry a balance? | Keep paying monthly until it reaches zero |
| Could you just stop using it? | The membership still renews, so closing is cheaper |
Questions people ask
How do I cancel my Arro Card?
Email [email protected] and ask to close the account. There is no dedicated phone line.
Does deleting the Arro app cancel my card?
No. Nav points out that deleting the app does not close the account.
Will I get my Arro membership fee back?
Arro does not publish a refund policy. Ask in your cancellation email, and cancel before renewal to avoid the next charge.
Does closing Arro hurt my credit score?
It can cause a small change by lowering your total available credit. Your reported payment history stays.
Sources
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