How to stop recurring charges on credit card?

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Recurring charges on credit cards can be a hassle to deal with, especially if they are unwanted or unexpected. Whether it’s a subscription service you no longer use or a recurring payment that you forgot to cancel, stopping these charges is essential to maintain control over your finances. In this article, we will explore several effective methods to stop recurring charges on your credit card and regain control over your financial situation.

Review Your Credit Card Statements

The first step in stopping recurring charges is to review your credit card statements thoroughly. Look for any unfamiliar or recurring charges that you want to stop. Note down the merchant’s name, the charge amount, and the date of the transaction. This information will be useful when contacting the merchant to cancel the recurring charge.

Contact the Merchant

Once you have identified the recurring charge you want to stop, contact the merchant directly. Most merchants have customer support or billing departments that can assist you with canceling the recurring charge. Reach out to them via phone or email and provide them with the necessary information about the charge. Request that they cancel the recurring charge and ask for confirmation in writing.

Dispute the Charge with Your Credit Card Issuer

If contacting the merchant doesn’t resolve the issue, you can dispute the charge with your credit card issuer. Credit card companies have dispute resolution processes in place to protect their customers from unauthorized or unwanted charges. Contact your credit card issuer’s customer service and explain the situation. Provide them with the details of the recurring charge and any communication you had with the merchant. They will guide you through the dispute process and may issue a chargeback if necessary.

Monitor Your Credit Card Activity

To prevent future recurring charges, it’s essential to monitor your credit card activity regularly. Keep track of all your transactions and review your statements thoroughly each month. This way, you can quickly identify any new recurring charges and take immediate action to stop them. Consider setting up alerts or notifications from your credit card issuer to receive real-time updates on your card activity.

Update Your Payment Information

In some cases, recurring charges may continue even after canceling them with the merchant. This could happen if you have provided the merchant with your credit card information through a third-party payment service like PayPal. To ensure complete cancellation, update your payment information with the merchant and remove any saved credit card details. This will prevent future charges from being processed.

Consider Blocking the Merchant

If all else fails, and the recurring charges persist despite your efforts, you can contact your credit card issuer and request to block the merchant. Credit card issuers have the ability to block specific merchants from charging your credit card. However, keep in mind that this should be a last resort, as it may also prevent legitimate transactions with that merchant.


Stopping recurring charges on your credit card is crucial for maintaining control over your finances. By reviewing your credit card statements, contacting the merchant, disputing charges with your credit card issuer, monitoring your credit card activity, updating your payment information, and considering blocking the merchant, you can effectively stop unwanted recurring charges. Stay vigilant and proactive to ensure that your credit card remains free from unauthorized or unwanted charges.


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