The autopayment mode is efficient when it comes to paying your monthly bills. As a consumer, you will never miss a payment. However, there are times you when your vendor will continue to bill your account even after you have unsubscribed from the service. Here are ways you can to stop recurring credit card charges. For more tip on how to manage your credit card visit https://www.newhorizon.org/info/ Looking for unsecured credit cards for bad credit? Apply here https://www.newhorizon.org/Info/unsecured.htm

1. How To Stop Recurring
Credit Card Charges
BY: www.newhorizon.org

2. The autopilot mode is efficient when it comes to
paying your monthly bills. As a consumer, you will
never miss a payment.
Another advantage with auto-payments is that you can
get a deduction on interest rate when applying for
loans. Merchants get to benefit too since they are
guaranteed of timely payments.

3. However, there are times you when your
vendor will continue to bill your account even
after you have unsubscribed from the service.

4. Ways you can to stop
recurring credit card charges

5. ● Some companies may include in the contract
that you call a non-800 number if you wish to
cancel your subscription.
● Sometimes when you call the number given,
your call can remain on hold for 30 minutes.
● The contract may also indicate that you the
only way to stop the recurring charges is
through writing. This is a strategy to delay the
process.
Read and understand the contract
If you come across such terms when reading the contract, do not set up
your credit card bills on auto pilot with that company.

6. Contact the billing department
● Contact hem in writing by sending a “revoking
authorization” letter to the billing department.
● Make it clear you want them to cancel the auto
payment service.
● It can take almost three weeks before your request
goes through.
● Don’t forget to use Certified Mail, Return Receipt
when sending your letter. You will have proof that
they received your letter.
● The billing company should comply when you send
your letter via certified mail return.

7. Contact your credit card provider
● If that does not work, another option is
disputing the issue with your credit company.
● Inform the credit card company that you have
revoked your authorization with the billing
company to stop automatic payments.
● First, you can phone your credit card company
and then send them a follow-up letter.

8. Send a “stop payment order” to your bank
● Instruct the bank not to allow your credit company to deduct money from your bank
account.
● For instance, if you want to cancel the next schooled payment, send your stop
payment order letter beforehand. The letter should reach your bank at least three
business days before the scheduled payment date. Other than writing, you can
choose to call the bank or deliver the order personally.
● However, if you wish to halt future payments altogether, you might want to do it in
writing. The banks may request you provide a written order. Ensure that you have
submitted this document within 14 days. Also, attach a copy of the revocation letter
you sent to your credit company when sending the order.

9. Monitor your accounts
● Watch the activities of your account.
Sometimes you can come across a payment
that you never authorized.
● Also, the unsecured credit cards for bad
credit charges may continue even after
revoking your authorization.
● If you notice either of these red flags, notify
the bank immediately. Under the Federal
law, you have a right to file a dispute and
claim your money.

10. Switching to a different card
● You can stop the auto-payment by
closing that credit card and switching
to another.
● The risk with closing your account is
that you can accumulate more debt.
● The billing company can approach the
bank arguing that you signed a binding
contract.
● Based on this new info, the banks may
bill you.

11. FOR MORE TIPS
ON HOW TO MANAGE YOUR CREDIT CARD
visit https://www.newhorizon.org

12. Looking for unsecured credit cards for bad credit? Apply here
https://www.newhorizon.org/Info/unsecured.htm