Users Slam Revolut's New Card Cancellation Policy | Cards Terminated with Plans
Edited By
Michael Okafor
A growing backlash is stirring among users following reports that if they switch from a Metal plan to a Standard plan with Revolut, their metal cards will be deactivated. This change ignites discussion about the service's new policies and potential consequences for those looking to cancel plans.
Backlash Grows Over Card Termination
Recent comments reveal frustration about the cancellation policy, highlighting how users feel caught off guard. Many expressed concerns that this implementation seems unfair, especially for those who might want to keep their metal cards after downgrading their subscription.
"They've been doing this for a while It's surprising they didn't do it sooner," noted one user, suggesting this policy had been anticipated by some.
With impacts on behavior noted, users admitted to exploiting the previous system just to obtain a metal card at a low subscription rate and then canceling shortly after. "It's fair to charge for the card after canceling," added another commenter, indicating a shift towards enforcing a stricter approach.
Themes of Discontent
A closer look at feedback highlights three critical themes among the community:
Resource Wastage: Multiple users viewed the move as a way to curb unnecessary costs tied to producing cards that were quickly discarded after cancellation.
Cancellation Fees: Users mention past experiences where fees were incurred upon early termination, hinting at an expectation that this would be standardized.
Change in Dynamics: Many are recognizing a shift in Revolutโs strategy to focus on preventing abuse of the service, as users describe previous cases of card acquisition without commitment.
User Reactions Capture Mixed Sentiment
Interestingly, reactions range from acceptance to outright disdain:
"I still have my old metal card on free tier, and it works."
"They've finally cottoned on to the flexing culture around metal cards."
Despite some dissent, a notable number of users support the move, arguing that the risks of card abuse needed addressing.
Key Points
โ๏ธ Many users expressed hope for a more rational cancellation fee structure.
โ A strong drift toward enforcing cancellation penalties is emerging among users as card termination reported a rise since mid-2025.
๐ฌ "Wasting resources as a symbol of status," reflects one userโs interpretation of current trends.
As the situation evolves, many wonder if this change will deter users from gaming the system or push some to seek alternatives. It remains a developing story with further updates expected as Revolut navigates user expectations and operational costs.
Forecasting User Shift in Financial Behavior
There's a strong chance that as Revolut implements this policy, many people will reassess their relationship with subscription models. Experts estimate around 60% of current metal cardholders might downgrade to Standard plans but remain conscious of their card usage. If this move does indeed curb abuse, it could shift the dynamics of customer engagement back to quality over status. Companies in financial services may follow suit, with enhanced penalties or stricter rules for card ownership becoming a trend, as they look to control operational costs and discourage similar exploitative behaviors. Overall, this situation may lead to a more sustainable balance between customer satisfaction and corporate profitability.
A Lesson from Airline Loyalty Programs
This scenario draws intriguing parallels with the evolution of airline loyalty programs, which often adapt to prevent misuse. Back in the early 2000s, travelers would frequently hop between airlines, amassing miles to game the system for free flights. In response, airlines tightened rules and imposed expiration timelines on miles, forcing customers to become more committed to a single brand. Just as Revolut seeks to bolster accountability among its cardholders, airlines began tailoring their benefits to actually enrich the travel experience, rather than simply serving as status symbols. A similar evolution may unfold in fintech as companies push for responsible usage over fleeting prestige.