Recurring payments are convenient for subscriptions like Netflix, Spotify, or gym memberships. However, sometimes you may want to cancel them to avoid unnecessary charges. Here’s a guide on how to stop credit card recurring payment easily and securely.
Step 1: Identify the Subscription
Go through your credit card statements and identify the merchant making the recurring charges. Knowing the exact subscription helps you cancel correctly.
Step 2: Cancel with the Merchant
Most services allow you to cancel directly.
- Log in to the merchant’s website/app (e.g., Netflix, Amazon).
- Go to Billing/Subscription settings.
- Select Cancel Subscription.
This is the fastest way to stop future charges.
Step 3: Contact Your Bank or Card Issuer
If the merchant doesn’t respond or continues billing:
- Call your bank’s customer service or visit a branch.
- Request to block future recurring payments to that merchant.
- Some banks also allow this through online banking or mobile apps.
Step 4: Monitor Your Statements
After cancellation, check your monthly credit card statements to ensure no more charges appear. If they do, report them immediately as unauthorized transactions.
Step 5: Replace or Block the Card (Last Option)
If the subscription keeps charging even after cancellation, ask your bank to:
- Block the card and issue a new one.
- This guarantees no further deductions.
Tips to Avoid Unwanted Recurring Payments
- Always read the terms and conditions when signing up.
- Use prepaid cards for trial subscriptions.
- Keep a record of all your active subscriptions.
Conclusion
Learning how to stop credit card recurring payment is essential to avoid unwanted charges. Start by canceling directly with the merchant, and if unsuccessful, contact your bank for assistance. Monitoring your statements regularly ensures your finances stay secure.
