Recently I discovered that they can also send refunds to a cancelled card.
Merchants can keep charging your card even if it's cancelled/expired
11–20 of 58 posts
Re: Merchants can keep charging your card even if it's cancelled/expired
#12I learned this the hard way once when I tried to get rid of a $5 subscription I didn't understand with Discover. I naively figured I would just request a new card and that would be that... Nope, it's like a direct debit or something, they are linked to the actual account, despite being setup through the card. Totally broke my head to the point I actually talked myself into closing my account, which was another mistak…
>I learned this the hard way once when I tried to get rid of a $5 subscription I didn't understand with Discover. I naively figured I would just request a new card and that would be that
That's a bad idea anyways. Just because your credit card was declined doesn't mean you're off the hook. Most businesses are reasonable and won't chase you further, but some persistent ones (eg. gyms) are known to continue your subscription and send your bill to collections.
Re: Merchants can keep charging your card even if it's cancelled/expired
#13I've been told this by credit card customer support. In several instances over the last 3-4 years I've disputed charges from companies I have no relationship with, and as part of the dispute process been told I need to reach out to these companies to prevent future recurring charges. Calling a company I've never heard of to try to get them to stop charging me sounds likely to lead to further problems rather than reso…
Is there anything like this for Canada?
Re: Merchants can keep charging your card even if it's cancelled/expired
#14I've been told this by credit card customer support. In several instances over the last 3-4 years I've disputed charges from companies I have no relationship with, and as part of the dispute process been told I need to reach out to these companies to prevent future recurring charges. Calling a company I've never heard of to try to get them to stop charging me sounds likely to lead to further problems rather than reso…
Pretty common in Europe. Whitelists, blacklists, limits, SMS confirmations...
You can use EU card in US with account nominated in USD.
Re: Merchants can keep charging your card even if it's cancelled/expired
#15I've been told this by credit card customer support. In several instances over the last 3-4 years I've disputed charges from companies I have no relationship with, and as part of the dispute process been told I need to reach out to these companies to prevent future recurring charges. Calling a company I've never heard of to try to get them to stop charging me sounds likely to lead to further problems rather than reso…
That's pretty cool. Name of the bank?
Re: Merchants can keep charging your card even if it's cancelled/expired
#16One of the things I find absolutely infuriating is the modern push to subscription services for things that aren't generally subscription. Like dog food. I've been... pushed into... more subscriptions lately... and I've never had to file so many credit card disputes in my life as I have in the past couple years, because half these subscription services absolutely refuse to stop charging you even after you've called them to cancel two or three times.
The EU has far superior legislation surrounding subscriptions and cancellation methods that are really woefully lacking in the US. I'd bet subscription businesses wouldn't be nearly as popular a model if it wasn't for the number of people paying who can't cancel.
Re: Merchants can keep charging your card even if it's cancelled/expired
#17I've been told this by credit card customer support. In several instances over the last 3-4 years I've disputed charges from companies I have no relationship with, and as part of the dispute process been told I need to reach out to these companies to prevent future recurring charges. Calling a company I've never heard of to try to get them to stop charging me sounds likely to lead to further problems rather than reso…
> told I need to reach out to these companies to prevent future recurring charges.
"I did. They are continuing to make fraudulent charges."
Re: Merchants can keep charging your card even if it's cancelled/expired
#18Recently I discovered that they can also send refunds to a cancelled card.
Cancelled card, or account via the cancelled card's number?
Re: Merchants can keep charging your card even if it's cancelled/expired
#19Does this happen with MasterCard too?
Re: Merchants can keep charging your card even if it's cancelled/expired
#20I learned this the hard way once when I tried to get rid of a $5 subscription I didn't understand with Discover. I naively figured I would just request a new card and that would be that... Nope, it's like a direct debit or something, they are linked to the actual account, despite being setup through the card. Totally broke my head to the point I actually talked myself into closing my account, which was another mistak…
Similar deal. I had one service that (to their credit) canceled my subscription when they saw I wasn't using it, then months later tried to charge it again, which got flagged as a fraud alert. I contacted them and they apologized and refunded.
Then charged again the next month. This time I filed a dispute. The credit card sided with the merchant, who claimed I started a new subscription, and their proof was a shot of "my" webpage form, which showed me entering my very new CC number (old had expired) that I never gave the merchant, but with an old address that wouldn't have gotten the transaction approved if I had really entered that in a new. SMH