Continuing payment authorisation - new credit card number

itsanne

I seem to be going around in circles trying to check this, so sorry if it's a ridiculously basic question.

I asked for my credit card to be replaced. The new one has different details - will this automatically stop a continuous payment authorisation?

Thanks

Chino

itsanne said:

The new one has different details - will this automatically stop a continuous payment authorisation?

It shouldn't do if your card is Visa-branded and your card issuer subscribes to the Visa Account Updater service. Although you'd want to check with whoever you have the CPA with anyway to be on the safe side.

itsanne

Thanks, Chino.

Sorry, I should have said it's Mastercard.

jonesMUFCforever

There is no hard and fast answer!
Most payments will continue with new number without your intervention - some might be refused.
To be absolutely sure that your payment goes through - update your card number with the company you want to pay.

Nebulous2

What are you trying to achieve? Do you want to pay it, or are you trying to stop it? 

I’d expect it to go through. We get a lot of posts here by people trying to stop them, I can’t remember any from people where they haven’t gone through. They’re pretty tenacious wee beggars, CPAs. 

If if you want to stop it, the credit card company can do it, and should if you instruct them to. They don’t like doing it and call-centre staff even argue that they can’t, but they can. 

itsanne

Thanks everyone. I'll contact my credit card company. I know they can be a bit awkward, which is why I wanted to check the situation before doing so.

Nebulous2, I can't contact the company in question because I don't know who it is (not a particularly interesting story about why the CPA exists, but the company hasn't done anything wrong - my own fault for using a credit rather than debit card when jetlagged).

Thanks again.

Nebulous2

It’s none of our business why you want to stop it. I wasn’t clear from your OP as to whether that was what you wanted. 

Here’s some guidance on CPAs including a template letter to withdraw your permission. 

https://www.stepchange.org/debt-info/your-rights/cancelling-recurring-payments-or-cpa.aspx

born_again

itsanne said:

Nebulous2, I can't contact the company in question because I don't know who it is (not a particularly interesting story about why the CPA exists, but the company hasn't done anything wrong - my own fault for using a credit rather than debit card when jetlagged).

Thanks again.

Credit or Debit card. CPS's are worked just the same.

harsh_but_fair

Your new card will have a new number of course but it will still point to the same account

Any CPAs on your old card will still go through

If you want to stop them then you have to cancel them either with the Merchant or by telling the credit card company you want to stop them

If you want them to continue then you don't have to do anything although so for the sake of being accurate you might want to contact the Merchant and give them your new card number

1882

I concur with HBF as I lost a credit card and the replacement was of course a different number but a CPA did go through afterwards which was a surprise to me at the time.

itsanne

Thanks everyone.