Son used my credit card without permission, even after card replaced

NoodleDoodleMan

GeoffTF said:

NoodleDoodleMan said:

Can the OP not freeze the card to prevent any further use until the issue is fully resolved to her satisfaction ?

If cancelling the card did not work, freezing it is not likely to work either.

It will stop all debit transactions until the freeze is unlocked.

That doesn't address the card closure/replacement issue though.

Emily_Joy

born_again said:

GeoffTF said:

NoodleDoodleMan said:

Can the OP not freeze the card to prevent any further use until the issue is fully resolved to her satisfaction ?

If cancelling the card did not work, freezing it is not likely to work either.

Freezing card will, as you are stopping all payments via that card.

Cancelling card (depending on how its done) will see either card replaced with one with the same 16 numbers, or if reported lost & stolen new 16 numbers, but where CPA are concerned. Retailers can get the new number via the Visa/Mastercard systems.

If the credit account is closed and no replacement card is issued/requested, would that not stop the problem? Hopefully retailers don't have powers to re-open the account?

born_again

Emily_Joy said:

born_again said:

GeoffTF said:

NoodleDoodleMan said:

Can the OP not freeze the card to prevent any further use until the issue is fully resolved to her satisfaction ?

If cancelling the card did not work, freezing it is not likely to work either.

Freezing card will, as you are stopping all payments via that card.

Cancelling card (depending on how its done) will see either card replaced with one with the same 16 numbers, or if reported lost & stolen new 16 numbers, but where CPA are concerned. Retailers can get the new number via the Visa/Mastercard systems.

If the credit account is closed and no replacement card is issued/requested, would that not stop the problem? Hopefully retailers don't have powers to re-open the account?

Not always as a CPA can force the banks to reopen the account. As a CPA does not require authorisation. So it comes through to internal account's.

etienneg

https://www.fca.org.uk/news/news-stories/continuous-payment-authorities-it-your-right-cancel

The FCA says that you have the right to cancel a CPA with the card provider.