To cancel Kikoff and get your money back, close the account through the app or by contacting support at support@kikoff.com or +1 (844) 741-9292, ask for a refund under the 45-day money-back guarantee if you’re a new user, and, if you have the Credit+ secured card, pay the balance to zero so Kikoff can mail your deposit back within 30 business days.
The subscription side and the deposit side move on different clocks, and the credit-score side moves on a third. Handle them in that order.
How to Close the Account
Kikoff says you can cancel at any time. The most direct route is inside the app: open it, go to account or settings, and follow the prompts on the close-account page for the Credit Account. App layouts shift with updates, so if the button isn’t obvious, skip the hunt and contact support.
Two confirmed support channels:
- Email: support@kikoff.com
- Phone: +1 (844) 741-9292
Include your full legal name, the email tied to the account, and your account ID from your profile settings. State clearly that you want to close the account and stop all future billing. Save any confirmation reply you receive; that email is your dated proof if a charge shows up later.
Getting the Subscription Refund
Kikoff advertises a 45-day money-back guarantee for new users. If you’re inside that window, you should be eligible for a refund of what you’ve paid. Past 45 days, refunds on monthly payments already charged are unlikely, and the practical benefit of cancelling is stopping future charges rather than clawing back past ones.
Ask explicitly. Don’t just request account closure; request closure and a refund under the money-back guarantee, and reference the guarantee language on Kikoff’s own site if support pushes back. The Basic plan is billed at $5 a month across 12 months, so a mid-year cancellation inside the guarantee window still involves a meaningful refund.
Getting the Secured Card Deposit Back
This is where most of the money usually sits. If you have the Kikoff Secured Credit Card through the Premium or Ultimate plan, your deposit lives in a separate deposit account that backs the card’s spending limit. To release it, the card balance has to be fully paid off first. At the end of each billing cycle, funds in the deposit account are automatically used to settle the card balance, and any pending purchases need to clear before the remainder can be paid out.
Once the account is closed and the balance is zero, Kikoff returns the remaining deposit by check mailed to the address on file. The terms give them up to 30 business days, roughly six calendar weeks.1Kikoff. Secured Credit Card and Deposit Account Terms and Conditions Update your mailing address before you close if it’s changed, or the check goes to the wrong place.
One warning from the card terms: if you owe money on the card and don’t pay, Kikoff can debit the deposit account directly to cover the debt. Close with a clean zero balance so none of your deposit is siphoned off to outstanding charges.
What Cancelling Does to Your Credit Score
Closing Kikoff removes a revolving tradeline, and that can push your credit utilization ratio up. Utilization is how much of your available credit you’re using, and it accounts for roughly 30% of a FICO score. If Kikoff’s $750 line (or the higher limits on Premium and Ultimate) was helping keep your ratio low, the same balances on your other cards will now represent a larger share of your total limit.2Consumer Financial Protection Bureau. Does It Hurt My Credit to Close a Credit Card?
How much it matters depends on the rest of your file. If Kikoff is your only active credit account, closing it removes your active credit history and the effect is significant. If you already have several cards with low balances and high limits, losing the Kikoff line barely registers. Check your utilization on other accounts before you cancel; if it’s already comfortably below 30%, you’re fine, and if it’s near that line, pay down other balances first.
Account age is a slower issue. Closed accounts stay on your credit report for up to 10 years, so the history doesn’t disappear immediately. When it eventually drops off, your average account age can shorten, which is another scoring factor. Long-term consideration, not an immediate problem.
Confirming the Closure on Your Credit Report
Kikoff reports to Equifax, Experian, and TransUnion monthly, so the next cycle after closure should update your file. Expect 30 to 60 days depending on where in the billing cycle you cancelled. Pull free weekly reports from AnnualCreditReport.com and verify the tradeline shows as closed with a zero balance.
If it still shows open after two months, or shows a balance you don’t owe, dispute it with the bureau reporting the error. Federal law requires the bureau to investigate for free and resolve within 30 days of receiving your notice, extendable by 15 days if you send additional information mid-investigation.3Office of the Law Revision Counsel. 15 USC 1681i – Procedure in Case of Disputed Accuracy File in writing, include your name, address, the specific item, and why it’s inaccurate. Send to every bureau showing the error, not just one.4Federal Trade Commission. Disputing Errors on Your Credit Reports
When You Can’t Get Your Money
Most cancellations go through without a fight. If yours doesn’t, Kikoff’s Terms of Service require binding arbitration for disputes, on an individual basis rather than as part of a class action.5Kikoff. Terms of Service If you signed up recently and want to keep the right to sue, you have 30 days from account approval to opt out. The opt-out has to be mailed in writing with your name, address, and account number to Kikoff Inc., PO Box 40070, Reno, NV 89504. Email and in-app messages don’t count.
Before arbitration, two faster levers exist. File a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov; companies tend to respond faster to CFPB complaints than to individual emails because the agency tracks resolution rates. If Kikoff keeps billing after you’ve cancelled and you have written confirmation of the cancellation, dispute the charges directly with your bank or card issuer.