To cancel your Kikoff account, you need to contact Kikoff’s support team directly, either through the app or by email. There is no self-service “delete account” button, so the process requires a request and a short waiting period. Before you reach out, make sure any outstanding balance is paid off or ready to be settled from your deposit account.
Steps to Cancel Your Account
Kikoff doesn’t offer a one-click cancellation option in the app. Here’s how to get it done:
- Check your balance. Open the Kikoff app and confirm whether you have any remaining balance on your Credit Builder account or secured credit card. You are responsible for any amount you owe even after the account closes.
- Contact support. Send an email to help@kikoff.com or use the in-app chat to request account cancellation. State clearly that you want to close your account.
- Wait for confirmation. Kikoff’s team will process the request and confirm when your account has been closed. If you don’t hear back within a few business days, follow up.
Keep a record of your cancellation request, whether that’s a screenshot of the chat or a copy of the email you sent. This protects you if there’s a dispute later about when you asked to close the account.
What Happens to Your Balance and Deposit
If you still owe money when the account closes, Kikoff is authorized to withdraw funds from your deposit account and apply them to settle the card balance. You don’t need to take a separate step for this, but you should verify that the balance reaches zero after closure.
Any remaining funds in your deposit account that aren’t tied to a card balance or held in reserve will be returned to you by check, mailed to the address on file. This can take up to 30 business days, so make sure your mailing address is current before you cancel. If you’ve moved recently, update it in the app first.
How Cancellation Affects Your Credit Score
Closing any credit account can nudge your credit score, and a Kikoff account is no exception. The impact depends on the rest of your credit profile, but there are a few specific ways it plays out.
Your credit utilization ratio (the percentage of available credit you’re currently using across all accounts) may increase when you close the account. That’s because you’re reducing your total available credit. If Kikoff was your only credit line, the effect could be more noticeable. Keeping utilization below 30% is a common benchmark for maintaining a healthy score.
Your average age of accounts could also take a hit, especially if your Kikoff account was one of your older credit lines. A longer credit history signals stability to scoring models, so losing an older account can shorten that history over time.
The good news: if your Kikoff account was in good standing when you closed it, it stays on your credit report for up to 10 years. That means the positive payment history you built continues working in your favor long after cancellation. The score effects from reduced available credit and shorter average age tend to be gradual, not sudden.
Requesting Deletion of Your Personal Data
Closing your account and deleting your personal data are two separate things. Canceling stops the credit product, but Kikoff may still retain your information for legal and regulatory purposes.
To request that your personal data be reviewed or deleted, contact Kikoff’s Privacy Officer at privacy@kikoff.com. In your email, specify that you want your personal data removed and include enough identifying information (your name, email address associated with the account) so they can locate your records. Kikoff’s privacy policy states that personal data is retained “as long as necessary for the purposes for which such information was collected or to otherwise meet legal requirements,” so some data may be kept even after your request if there’s a legal obligation to do so.
If you want to see what data Kikoff has on file before requesting deletion, you can email help@kikoff.com and ask for a copy of the information you provided through the service.
What to Check After Cancellation
Once your account is closed, take a few follow-up steps to make sure everything is wrapped up cleanly. Pull your credit report a month or two after cancellation (you can get free reports at AnnualCreditReport.com) and confirm the Kikoff account shows as closed in good standing, not delinquent or still open. Verify that no new charges have appeared on the account after your cancellation date. If you had a deposit, watch your mail for the refund check within the 30-business-day window. If it doesn’t arrive, contact Kikoff support again with your cancellation confirmation in hand.