4 ms·

How do things play out if you call your credit card company and say, "Please don't allow any more charges from this vendor. I'm trying to cancel but they're ma

How do things play out if you call your credit card company and say, "Please don't allow any more charges from this vendor. I'm trying to cancel but they're making it hard."?

lifeisstillgood 4y ago
I wish I could cancel a credit card recurring payment as easily as a standing order or direct debit. But guess what - it's in the interests of the business and the credit card company for me to keep paying
- eganist 4y ago
  It's even more in the interests of the credit card company to retain your long term business. That's why chargebacks are so frequently abused (and accepted by card issuers).
- mywacaday 4y ago
  setup a virtual temp card number with revolut/paypal etc, change the card on the account then cancel the card.
  - lifeisstillgood 4y ago
    >>> I wish I could ... as easily as ... ;-) Thank you - that is actually a "solution" i will looking to it
registeredcorn 4y ago
Semi-related: If you don't want to go through the process of trying to work with your bank to refuse auto-renewal, there are services like Privacy (privacy.com) that allow you to essentially make "virtual" credit cards. You allot a specific amount of money to one of their cards, then use that to sign up with. It also claims to help keep your accounts a bit more safe, since if that data gets leaked, it's not your actual card number, but it's really more of centralizing the risk on Privacy's servers instead at 10 different vendors.
- valarauko 4y ago
  > services like Privacy (privacy.com) that allow you to essentially make "virtual" credit cards. Is there an option to create virtual "credit" cards on Privacy? I only can make debit cards.
  - registeredcorn 4y ago
    Ah, sorry I was using the terms interchangeably. I think it's actually a debit setup, kind of like a gift card? I've never actually used the service, just heard some reviews about it.
    - valarauko 4y ago
      Yes, you hook up your bank account to Privacy and can create debit cards. You can set them up with spending limits, and can lock them to only work with the first merchant its used with for recurring expenses (if you want). You also have the option to create one time use cards as well. For what its worth, it works well, but it seems like some merchants block Privacy cards - in my case, to buy a Grubhub gift card.
hef19898 4y ago
I canceled a credit card over a un-cancellable MS Office subscription. MS, all of a sudden, came back to me. After two months or so, they forgot about it and it had no impact on the other subscriptions I had at the time.
brigandish 4y ago
I have used my credit card company to do this, but like I say, it wasn't that I was particularly unhappy with their service, just wanted to use a competitor (grass looked greener). Ironically, the auto renew was the first real problem I'd had.
- InitialLastName 4y ago
  > it wasn't that I was particularly unhappy with their service "The service is prohibitively difficult to cancel" is a perfectly sensible justification for being unhappy with the service.

How do things play out if you call your credit card company and say, "Please don't allow any more charges from this vendor. I'm trying to cancel but they're making it hard."?

lifeisstillgood 4y ago

I wish I could cancel a credit card recurring payment as easily as a standing order or direct debit. But guess what - it's in the interests of the business and the credit card company for me to keep paying

eganist 4y ago
It's even more in the interests of the credit card company to retain your long term business. That's why chargebacks are so frequently abused (and accepted by card issuers).
mywacaday 4y ago
setup a virtual temp card number with revolut/paypal etc, change the card on the account then cancel the card.
- lifeisstillgood 4y ago
  >>> I wish I could ... as easily as ... ;-) Thank you - that is actually a "solution" i will looking to it

registeredcorn 4y ago

Semi-related: If you don't want to go through the process of trying to work with your bank to refuse auto-renewal, there are services like Privacy (privacy.com) that allow you to essentially make "virtual" credit cards. You allot a specific amount of money to one of their cards, then use that to sign up with. It also claims to help keep your accounts a bit more safe, since if that data gets leaked, it's not your actual card number, but it's really more of centralizing the risk on Privacy's servers instead at 10 different vendors.

valarauko 4y ago
> services like Privacy (privacy.com) that allow you to essentially make "virtual" credit cards. Is there an option to create virtual "credit" cards on Privacy? I only can make debit cards.
- registeredcorn 4y ago
  Ah, sorry I was using the terms interchangeably. I think it's actually a debit setup, kind of like a gift card? I've never actually used the service, just heard some reviews about it.
  - valarauko 4y ago
    Yes, you hook up your bank account to Privacy and can create debit cards. You can set them up with spending limits, and can lock them to only work with the first merchant its used with for recurring expenses (if you want). You also have the option to create one time use cards as well. For what its worth, it works well, but it seems like some merchants block Privacy cards - in my case, to buy a Grubhub gift card.

hef19898 4y ago

I canceled a credit card over a un-cancellable MS Office subscription. MS, all of a sudden, came back to me. After two months or so, they forgot about it and it had no impact on the other subscriptions I had at the time.

brigandish 4y ago

I have used my credit card company to do this, but like I say, it wasn't that I was particularly unhappy with their service, just wanted to use a competitor (grass looked greener). Ironically, the auto renew was the first real problem I'd had.

InitialLastName 4y ago
> it wasn't that I was particularly unhappy with their service "The service is prohibitively difficult to cancel" is a perfectly sensible justification for being unhappy with the service.