How to Cancel an Apple Credit Card: Step-by-Step


If you’ve never had a close loved one die before, you might be overwhelmed by the logistics of death. Besides having to plan the funeral for your family member, you are also tasked with taking care of their financial afterlife, which might require the assistance of an estate lawyer. 

Jump ahead to these sections:

Some of you will need to cancel your loved one’s credit cards after they die. Others may be looking for assistance in canceling your own credit card. Let us help you with the task by giving you a step-by-step guide on how to cancel an Apple credit card. We will also answer FAQs about how to navigate Apple’s customer care. 

How to Cancel Your Own Apple Credit Card

Are you ready to say goodbye to your Apple credit card? Here are the steps for getting this task completed. 

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Step 1: Contact an Apple Card Specialist

According to the Apple website, canceling your Apple credit card requires you to interact with an Apple Care Specialist through the chat feature on your iPhone.

Step 2: Open the Wallet on your iPhone

The Wallet app is preloaded on your iPhone. Even though you can receive a physical credit card (made of titanium!), a virtual card appears in the Wallet app on your iPhone. 

Step 3: Tap Apple card

Some iPhone users choose to have multiple credit card numbers stored in the Wallet app of their iPhones. Make sure you select the Apple credit card before continuing the next steps of the cancelation process.

Step 4: Tap the “More” button

The “More” button is a black circle with an ellipsis ( . . . )

Step 5: Tap the “Message” button

Selecting this button allows you to start chatting with an Apple card Specialist. Explain that you wish to cancel your Apple Card. 

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Step 6: Follow the instructions of the Apple card Specialist

Complete the cancelation process by following the account specialist’s instructions. 

Step 7: Remove your Apple Card from automatic payments

If you don’t want frantic texts from your teens asking why the Netflix account suddenly doesn’t work, you might reach out to all the companies that automatically charge the Apple card. While having your Hulu account suspended for a brief time might not be excessively inconvenient, you might have more significant problems if your Apple Card is linked to pay your utility accounts.

Step 8: Pay off your account

The instructions on the Apple website state that after the account is closed, the “account owner and co-owner are responsible for paying any remaining balance.”

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

Canceling credit card accounts isn’t the primary duty of the executor of the estate. However, they are in charge of ensuring the deceased’s debts are paid from the estate’s assets. Please understand that you may need copies of the death certificate when working with a deceased’s financial accounts. 

It’s worth noting that if you work with a full-service funeral home, a staff member typically contacts the social security administration after a death occurs. This government agency then reaches out to the main credit agencies in the country, and your loved one’s accounts are typically frozen to help prevent fraud. If anyone tries to apply for a new credit card in your family member’s name, lenders will be alerted that you are deceased.

Several factors may complicate canceling a loved one’s credit card. For example, co-owners are different from authorized users. As a result, you may have to work with the credit card company and estate lawyer to sort out the ownership of the accounts. 

Because these matters are sometimes complicated, there’s sometimes no cut-and-dried method for canceling credit card accounts of deceased loved ones. However, here are some ways of contacting Apple Card customer service representatives.

Step 1: Visit the support page for the Apple credit card

Each Apple product has its own support page. Visit the appropriate one for your Apple Card account. 

Step 2: Click on the “gear” icon

This selection is also called “Manage Account.” This selection will uncover two options.

Contact Option 1: Call Apple credit card customer care.

Apple support can be contacted by calling 877-255-5923. This service is available 24/7. 

Contact Option 2: Contact Apple Customer Support through Messages.

If you prefer not to talk on the phone, you can chat with Apple customer care through Messages. The link for this is found under “Manage Account.”

The chat option might be the best if you find it too emotionally difficult to speak on the phone about your loved one’s death and financial situation. Unfortunately, there’s a lot to do when someone dies. Sometimes those actions and decisions can wait until you are more emotionally prepared to deal with them. However, sometimes that is not the case. 

Frequently Asked Questions: Canceling an Apple Credit Card

We know you probably have a lot of questions about credit cards, debt, and the deceased. While many of those questions are beyond the scope of this article, we can help you with a couple of them. 

Before we answer those questions, it is worth noting that your loved one’s iPhone may not be able to be accessed after their death unless they shared the password with you before they died. Consider sharing such information with a close family member or friend so that they can have access to your contacts in case of emergency.

How can you remove an authorized user on your Apple card from a phone?

Do you wish to remove an authorized user from your Apple credit card? You can complete this process through an app.

Step 1: Open the Wallet app on your iPhone.

Again, this app comes preloaded on your iPhone. 

Step 2: Tap the “More” icon.

The “More” icon is a black circle with a white ellipsis in the center. 

Step 3: Tap the participant that you wish to remove from having access to the account.

If you don’t see the user, there is a chance that they removed themselves from the account.

Step 4: Select “Stop Sharing.”

Apple requires you to confirm your selection. 

How can you remove an authorized user on your Apple card from an iPad?

Step 1: Open “Settings.”
Step 2: Open “Wallet and Apple Pay.”
Step 3: Select “Apple Card.”
Step 4: Select “Info”
Step 5: Select the participant that you wish to remove.
Step 6: Select “Stop Sharing.”

Once you have completed this series of selections, confirm your choice.

According to Apple’s website, once the participant is removed from your Apple card account, any transactions they try to make will be automatically declined. However, please understand that removing a participant does not close your account. The account owner is still responsible for the balance after a participant is removed from the account.

Only “authorized users” can be removed from the Apple credit card account. If you don’t want to be co-owners with someone else, you need to close your shared account and open a new one. However, you and your co-owner are still responsible for outstanding balances on the account until it is paid in full. 

Is there a fee or a penalty to cancel your Apple card?

There doesn’t appear to be any fee for canceling your Apple card. Additionally, there aren’t any fees to have an Apple credit card. 

However, we can not speak to every specific situation. That’s why we advise you to contact Apple customer care to discuss the specifics of your account.

Do You Need Additional Help With Your Loved One’s Financial Accounts?

Cake is proud to be your partner on all matters involving mortality. If you recently lost a loved one, may we suggest that you refer to our post-loss checklist. This tool will help you with the decisions that need to be made and answer questions about how to handle your loved one’s financial accounts after their death. 

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