Credit card question

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I've set up a monthly subscription via my credit card which I'm trying to cancel. I've already had one additional payment go through which I'm trying to get refunded.

As luck would have it, my credit card expired at the end of last month. Even though the number is the same, and only the expiry date has changed, am I now safe from making further unwanted payments as long as I don't tell people my new details?

― Gordon Blue, Thursday, 1 September 2005 21:11 (nineteen years ago)

its pr0n isnt it.

― Homosexual II (Homosexual II), Thursday, 1 September 2005 21:14 (nineteen years ago)

x-post: yes, you should be.

― grimly fiendish (grimlord), Thursday, 1 September 2005 21:16 (nineteen years ago)

No it isn't!

― Gordon Blue, Thursday, 1 September 2005 21:19 (nineteen years ago)

Depending on the company that you initially gave your details to, the debit could keep coming through as 'recurring transactions'. This would generally apply if the transactions were bill payments or subscriptions - in these instances the expiry date need not be used.

What you can do is ask your Card Issuer to charge back the transactions that have come through that you do not want to authorise payment for (you will need to prove that you legitimately gave the company notice and that you do not have an obligation to pay) and then block any further incoming payment requests.

A chargeback is your best bet. If your Issuer can't/won't help you, cancel the card and get a new one. There's plenty of competition in the marketplace and there are other Issuers who will value your custom.

― Lara (Lara), Friday, 2 September 2005 16:30 (nineteen years ago)

three months pass...

credit card question#2

why dont credit cards have a photograph of the holder on them?

― calderdale in the 70s (gareth), Monday, 5 December 2005 20:13 (nineteen years ago)

Some of them do, at least ones drawn on banks that are local to people. I guess a lot of them don't because many credit cards are issued from companies that are thousands of miles away from where people live. In the US, a lot of credit card companies are in Delaware, most people don't want to go there to have their picture taken.

― svend (svend), Monday, 5 December 2005 20:46 (nineteen years ago)

It would stop about 0% of actual fraud?
Some places check your picture ID against the name on your card. That's basically just as effective.

― TOMBOT, Monday, 5 December 2005 20:58 (nineteen years ago)

I'm one of those goofs who writes CHECK PHOTO I.D. in the signature part on the back.

Pretty ineffective if it's used to buy gas, though.

― Pleasant Plains /// (Pleasant Plains ///), Monday, 5 December 2005 21:20 (nineteen years ago)

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