Re: Mission Lane took 2 days to close via secure m... - myFICO® Forums

boxmover · ‎08-01-2025

PSA only: YMMV

I used the secure messaging feature in the Mission Lane website to request they close my account. The interface includes verbage about them taking 1-2 days to respond. In my case they took only 1 day. However their initial message was not to confirm closure but to verify I did intend to close the account. Of course I did verify. And then they did close it.

Point being that if you cut the line too close to when your annual fee -if you have one- is going to post you may not get it closed in time to avoid... if using their secure messaging feature.

Yes, I could have called, but I prefer messaging for at least text proof, and use screenshots to help remind myself of what I did when.

Working towards decent Fico 5,4,2 scores and reducing DTI. - Done
Goals: Mortgage ready when it's time
No CC debt or unsecured loans by Winter 2025. - Ahead of schedule

Newest goals: Maximize CB, Savings & Investments

ptatohed · ‎08-02-2025

Ok

[Until I can make a pretty signature, here’s an updated draft]

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Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

Jnbmom · ‎08-02-2025

I think that's actually good , some issuers won't even let you close accounts through secured message .

EXP 780 EQ 796 TU 810

MileHigh96 · ‎08-04-2025

@boxmover wrote:
PSA only: YMMV

I used the secure messaging feature in the Mission Lane website to request they close my account. The interface includes verbage about them taking 1-2 days to respond. In my case they took only 1 day. However their initial message was not to confirm closure but to verify I did intend to close the account. Of course I did verify. And then they did close it.

Point being that if you cut the line too close to when your annual fee -if you have one- is going to post you may not get it closed in time to avoid... if using their secure messaging feature.

Yes, I could have called, but I prefer messaging for at least text proof, and use screenshots to help remind myself of what I did when.

I closed my ML card the same way, through the secure messages. I don't believe I had the l had to ask them multiple times to close it. The first time when I originally asked to close it, the agent said no problem, the account was closed. But I kept logging in every couple of days and the account remained open. After about a week, I had to message them again to close the account. Agent apologized and said the account was closed. This time it took effect almost immediately.

So definitely, if you have a ML card with an AF and you are looking to close it, I would do it well before the date the AF is to hit just to make sure you get the account closed.

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