How to Cancel a Milestone Credit Card: Step-by-Step


Do you need assistance canceling your Milestone credit card? Cake is happy to help! We will give you the correct contact information for Milestone, along with step-by-step instructions on how to cancel your credit card account.

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Our apologies for this somewhat obvious statement, but credit card accounts aren’t closed simply by cutting up the card. No matter what type of credit card you are canceling, you need to pay off your balance and contact the help department at the credit card company to cancel it altogether.

Besides paying off the balance, there are other helpful steps to consider before you call to cancel your account. First, stop all automatic charges to your Milestone credit card account. Second, tell any of your authorized users to stop using the card. Finally, use up any rewards you have earned on your account by being a good customer. 

Once you get the preliminary steps done and your balance is zero, here are the steps you need to take to cancel the account.

How to Cancel Your Own Milestone Credit Card

Here are the steps to canceling your Milestone credit card account. 

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Step 1: Make sure the account has no balance

Before contacting Milestone customer service to close your account, confirm you have no balance by logging into your online account. 

Do you have a difficult time remembering your Milestone password? You aren’t alone! Consider using a password manager to help with online accounts. 

Milestone will not officially close your account until you pay off the balance. However, if you contact Milestone, the customer service representative may be able to disable the credit card so that you won’t be tempted to use it while paying off what you owe.

Step 2: Contact Milestone

The easiest way to contact any customer service representative for a credit card company is to call the phone number on the back of the card or the one found on your billing statement. For example, the general customer care number for Milestone is 1-866-453-2636.

The customer service representative working for Milestone (or any other credit card company) may try to encourage you to keep your account open by offering you rewards or special promotions. 

Step 3: Make sure you receive confirmation that the account is closed

Once your account balance is zero and you have closed your account, you should receive written confirmation – typically through the mail. If you don’t receive any written or emailed communication from Milestone, follow up with a written notice that includes your name, address, contact phone number, and credit card number.

Request that your account be closed and ask for written confirmation once this is completed. Send the letter certified or registered and keep a copy of the letter. 

Having a paper trail when closing an account is always a good idea, as it may help you dispute fraudulent or mistaken charges placed on your account after it was closed. 

» MORE: A will is only the first step. Get all of the documents you need.

Step 4: Check your credit report

Wait 30 days after your account is closed and then check your credit report to make sure Milestone is not listed as a current account. 

How to Cancel a Deceased Loved One’s Milestone Credit Card

You may have recently lost a loved one if you are reading this. Please accept our condolences. We know you are probably overwhelmed with all there is to do following the death of a loved one. But, unfortunately, even though you are probably overwhelmed, you need to contact your loved one’s credit card companies.

Please understand that there’s no need to settle the deceased’s credit card accounts within hours or days of the death. In fact, don’t let the credit card company persuade you to use your personal funds to pay off the balance. However, notifying the credit card companies about the death may keep fraudulent charges from occurring on the account. 

Begin the process by going through the deceased’s wallet and calling the numbers on the back of all of their credit cards. You might also look through bills or emails (should you have access) to find any other accounts that might be under your loved one’s name. 

Later, the executor of the estate will need to follow up with Milestone – but only after you receive the required paperwork, such as copies of the death certificate

As a side note, most full-service funeral home staff will help you order certified copies of the death certificate. The funeral home staff also typically notifies the Social Security Administration about the death. This agency will then inform the country’s major credit agencies, which will flag the deceased’s social security number so that no new accounts can be opened using their identity.

Do not use your loved one’s Milestone credit card following their death. 

Now that you have a general understanding of what happens to financial accounts after a person dies, here are the steps for canceling your deceased loved one’s Milestone credit card account. 

Step 1: Contact the Milestone customer service department

It doesn’t seem as if Milestone has a survivor relations team or estate team phone number available online. This leads us to think that you will have to go through the general customer service channels to close a deceased person’s account. 

The general customer care number for Milestone is 1-866-453-2636.

The only address we could find for Milestone was this one:

Genesis FS Card Services
PO Box 4477
Beaverton, OR 97076-4477

However, the customer care team member may give you a better way to submit the necessary documents following your loved one’s death. 

» MORE: Planning a funeral? Get access to discounts in minutes.

Step 2: Be prepared to provide the Milestone team with the necessary information and documents.

Closing a credit card account is a more straightforward process than closing a bank account since your loved one’s credit card account doesn’t hold any assets. You might simply need a copy of your loved one’s death certificate to close the account – after the balance is at zero. 

However, here’s the typical information one usually gathers when dealing with the financial afterlife of a deceased person:

  • Name and social security number of the deceased
  • Deceased’s date of birth and death
  • Account number
  • Copy of their death certificate 
  • Copy of the Letter of Administration or Letters of Testamentary (to prove you have authority to act on behalf of the estate)
  • A copy of the Letter of Instruction for each executor and/or beneficiary

Closing your loved one’s credit card account may take patience. Please understand that unless you have the proper permission of the courts, the Milestone customer service team member may not be authorized to give you the balance on the account. In addition, if there is a balance on the Milestone credit card account, the executor of the estate will use the deceased person’s assets to pay what is owed. This may prolong the process of closing the account.

If a co-owner is on the account, the co-owner may be required to apply for a new Milestone credit card account instead of switching the account to their name.

Step 3: Ask for confirmation that your loved one’s account has been closed

Once the balance has been paid, make sure you receive confirmation from Milestone that the account has been closed. Keep this documentation with the estate paperwork. 

Leave Your Records Organized for Your Next of Kin

Often, experiencing the death of a loved one influences others to organize their records and make end-of-life plans. If you wish to make things easier for your family after your death, turn to Cake for assistance.

At a minimum, leave behind an organized list of all of your accounts. Also, create a will or trust so that your loved ones know how you wish your assets to be distributed at the end of your life. Talk with an estate attorney in your state to understand how the process works. Finally, create an end-of-life plan with Cake that lists your preferred method of disposition and your eternal resting place. 

Make things easy for the people you love. Leave organized records and an end-of-life plan behind. 

  1. “Milestone: Contact Us.” Contact, Milestone, 2021.

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