Closing all accounts - portfolio wind-down
Today we’re announcing that we are shutting down our card portfolio, and will be closing all Final Visa® Credit Card Accounts in the coming months. We appreciate your understanding, and know that any message about this would be imperfect, but hope this note offers information and consolation to our cardholders and compatriots alike.

We hope to complete the shutdown as smoothly and transparently as possible. And of course, we are here at [email protected] to answer any questions you may have.

Some key details of this news are listed below:

    Card Functionality
        All cards will be turned off as of 01/17/18. Please take the time to switch recurring spend over to another card soon, so none of your subscription services lapse
            Returns will be allowed after that date, but no new purchases will
        Physical cards should be cut up or otherwise safely disposed of, after that date

    Account / Benefit Access
        All statements and CSVs of transaction history will continue to be available for download until the online account access is closed. Please download your statement history.
        Other Benefits of the card, including those offered by Visa as part of the Signature program, will be discontinued as of account closure.
        Final and our bank partner - First Bank & Trust - will officially close Final Credit Card accounts in early 2018

    Payments to Final
        Scheduled autopayments and one-time payments will continue to process as-normal
        Any outstanding Current Balances owed should be paid in accordance with the Terms and Conditions of your account
        You will continue to receive payment notifications and monthly statements until your account is paid-in-full or closed. Delinquent/default accounts may be sent to collections in accordance with your Cardholder Agreement.
        Alternatively, you can set up a balance transfer to another credit card

    Credit Bureau Considerations
        Accounts closed with balances fully paid will be reported to the bureaus as such
        Delinquent and non-payment accounts may result in adverse reporting to the credit bureaus in accordance with your
Cardholder Agreement

    Rewards
        Rewards will be eligible for redemption through the shutdown period. Please redeem them soon.
        Reimbursements for the Credit Freeze promotion have been applied

From all of us at Final, thank you for being a loyal cardholder. If you have any questions or feedback for us, please don’t hesitate to reach out.

Thanks,
Team Final

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