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My credit card details held against my wishes
Comments
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Hoof_Hearted wrote: »You could get a new card. Just tell the card company the old one has split and is unusable.
The new card will still be connected to the old one though, it'll either have the same number or the next in sequence.0 -
Buy your insurance via a broker, if you don't like the way they do business.
For most of us it just works fine.0 -
Could you use a pre-paid credit card?0
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Hermione_Granger wrote: »That's not correct.
There is no time limit specified in the DPA that personal data can be held for.
However, it should only be held for as long as there is a valid reason for doing so.
If the OP doesn't have a continuous payment agreement in place then I can't see a valid reason for keeping the card details.
https://ico.org.uk/for-organisations/guide-to-data-protection/principle-5-retention/
If the OP ever wants to cancel the policy early, then they will want to refund any outstanding credit to the same card as the one that was originally charged. That means they will need to keep the card details for at least the duration of the policy.
But if there are any allegations of financial irregularities down the line, then they will need to keep accurate records of who has paid them money, and how. Deleting all transaction information as soon as it has gone through is just asking for trouble.If it sticks, force it.
If it breaks, well it wasn't working right anyway.0 -
If the OP ever wants to cancel the policy early, then they will want to refund any outstanding credit to the same card as the one that was originally charged. That means they will need to keep the card details for at least the duration of the policy.
But if there are any allegations of financial irregularities down the line, then they will need to keep accurate records of who has paid them money, and how. Deleting all transaction information as soon as it has gone through is just asking for trouble.
If they have the last four digits of my card they have a paper trail, and I'm not talking about deleting the transaction. Their bank has the info anyway to match it up.
If I need a refund I can simply supply the credit card details again.0
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