Have you ever signed up for a financial app thinking it’d change your budgeting game, only to realize it’s not quite the fit? That’s where many folks find themselves with Empower. If you’re wondering how to cancel your Empower subscription without the hassle, you’re in the right place.
Introduction to Empower Subscriptions
Empower started as a handy tool for cash advances and expense tracking. Now, with its rebrand to Tilt in recent years, it still offers premium features through a monthly fee.
But life changes, and so do our needs. Maybe you’ve found a better app, or you’re tightening your belt. Canceling doesn’t have to be a headache if you know the steps.
Why Consider Canceling Your Empower Subscription?
Subscriptions add up fast. Think about it: that $8 monthly fee might seem small, but over a year, it’s nearly $100. If you’re not using features like instant cash advances or detailed credit monitoring, why keep paying?
I remember a friend who signed up during a tight month for a quick advance. Months later, she noticed the charges and felt stuck. Canceling freed up cash for things she actually needed. If your situation sounds similar, it’s time to evaluate.
Preparing Before You Cancel Empower Subscription
Don’t rush in. First, check your account status. Log into the app or website and review any outstanding advances or fees. Pay off what’s due to avoid surprises.
Next, note your billing cycle. Cancellations often take effect at the end of the period, so you might keep access for a bit. Gather your login details and have your payment method info ready. This smooths the process and prevents locked accounts.
Check for Refunds or Prorations
Empower doesn’t typically offer refunds for partial months. But if you’ve just been charged, contact support quickly. They might make exceptions, especially if you’re within a trial period.
Review your terms. Older accounts from before 2020 might even have zero fees, so double-check yours.
Step-by-Step Guide: How to Cancel Empower Subscription Via the App
The easiest way? Use the app itself. It’s quick and straightforward for most users.
Here’s how:
- Open the Empower (or Tilt) app on your phone.
- Tap the “More” section at the bottom.
- Select “Billing” or “Subscription.”
- Choose “Cancel subscription” and follow the prompts.
- Confirm via email or in-app notification.
This method works if you subscribed directly through Empower. It usually processes instantly, but check your email for confirmation.
If you run into glitches, force-close the app and try again. Or update to the latest version first.
How to Cancel Empower Subscription Through Email
Prefer writing it out? Email works well for a paper trail.
Send a message to help@empower.me or help@tilt.com. Include your full name, email tied to the account, and a clear request to cancel. Mention your reason if you want, but it’s not required.
Expect a response within a few business days. They might ask for verification, like the last four digits of your linked card. Once done, you’ll get a confirmation email.
This is great if you’re not app-savvy or need to cancel from a computer.
Canceling Empower Subscription by Phone: When to Call Support
Sometimes, talking to a person clears things up. Empower’s support line is (888) 943-8967. Call between 5 a.m. and 3 p.m. Pacific Time, Monday to Friday.
Be ready with your account info. Tell the rep you want to cancel your subscription. They’ll guide you and might offer retention deals, like a fee waiver.
I once called for a similar service and ended up with a free month. But if you’re set on canceling, stay firm.
Handling Issues During Phone Cancellation
Lines can be busy. If wait times are long, try early morning. Note holidays; they’re closed then.
If they can’t help, ask for an escalation or follow up via email.
Canceling Through App Stores: iOS and Android Options
Subscribed via Apple or Google? You must cancel there, not in the app.
For iOS:
- Open Settings on your iPhone.
- Tap your name, then “Subscriptions.”
- Find Empower and tap “Cancel Subscription.”
For Android:
- Launch Google Play Store.
- Tap your profile icon, then “Payments & Subscriptions.”
- Select “Subscriptions,” find Empower, and cancel.
This stops auto-renewals. You’ll keep access until the cycle ends.
What Happens After You Cancel Your Empower Subscription?
Your premium features stick around until the billing period closes. After that, you drop to basic access, like simple tracking without advances.
Watch your bank statements. Ensure no more charges appear. If they do, contact support right away.
Delete the app if you want a clean break. But keep records of your cancellation confirmation for disputes.
Potential Charges Post-Cancellation
Rare, but errors happen. If charged after, email support with proof. Banks can reverse unauthorized debits too.
Alternatives to Empower After Cancellation
Ready for something new? Plenty of options exist for budgeting and advances.
Consider apps like Dave or Brigit for similar cash features. They have lower fees or free trials.
For broader finance tracking, try Mint or YNAB (You Need A Budget). Mint is free and syncs accounts easily.
Here’s a quick comparison:
| App | Monthly Fee | Key Features |
|---|---|---|
| Dave | $1 | Cash advances up to $500, no interest |
| Brigit | $9.99 | Advances up to $250, credit building |
| Mint | Free | Budgeting, bill tracking |
These can fill the gap without the same commitment.
Now, let’s look at tips to avoid future subscription woes.
Tips to Manage and Avoid Unwanted Subscriptions
Subscriptions sneak up on us. Set calendar reminders for trial ends. That way, you decide before charges hit.
Use virtual cards for sign-ups. Services like Privacy.com let you pause payments easily.
Review bank statements monthly. Spot unfamiliar charges? Investigate right away.
I learned this the hard way after forgetting a gym membership. Now, I track everything in a simple spreadsheet.
Tools for Subscription Management
Apps like Rocket Money or Truebill scan for subs and help cancel them. They’re free to start and save time.
Common Pitfalls When Canceling Empower Subscription
One big mistake: Forgetting outstanding advances. Repay them first to avoid collections.
Another: Canceling too close to billing. Give at least three business days notice.
If rebranded to Tilt, use the new email or app name. Check your version for updates.
Dealing with Denial or Errors
If cancellation fails, document everything. Escalate to a supervisor or file a complaint with the Better Business Bureau if needed.
For more on consumer rights, visit the FTC’s site on subscriptions: FTC Consumer Advice.
FAQs About How to Cancel Empower Subscription
Q: How long does it take for Empower cancellation to process?
It usually processes right away via app or store, but email or phone might take a few days. You’ll get confirmation, and access ends at your billing cycle’s close. Always save that email.
Q: Can I get a refund after canceling my Empower subscription?
Refunds aren’t standard for partial months, but contact support if charged recently. They might help during trials. Check your terms for specifics.
Q: What if I cancel but still get charged by Empower?
Reach out to support with proof of cancellation. Your bank can dispute the charge too. Act fast to resolve it.
Conclusion
Canceling your Empower subscription is straightforward once you know the paths: app, email, phone, or stores. Prepare by checking balances, choose your method, and confirm everything. You’ll save money and reduce stress. Remember alternatives like Dave for ongoing needs, and manage subs wisely moving forward.
Disclaimer: This article offers general guidance based on available info. Always verify with Empower’s official support for your account.
