I had a recurring Microsoft Office subscription of $123.17 CAD per year, but forgot the account associated with it. I contacted TD to lock my TD Access Card permanently and get a replacement card. But the problem is that in the past when I had recurring subscriptions they could still charge me from the new card as it is linked. Under what circumstances can you be charged for a recurring subscription on the new card? Is this only possible if you provide Microsoft with the card number, and not possible if you pay with Paypal? I want to ensure that no further charges are made. In case I provided the card number (I do not know for sure), what can I do to ensure no further payments are made?
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This "feature" is something that the bank / credit card company does automatically. They automatically associate the subscription with your new account number. The exact details are not relevant, but I worked with Point-Of-Sale systems, specifically with payment processors, so this is something that's just baked into the subscription charges and is fairly standard.
You're supposed to be able to contact the bank to block this specific payment. However, if that fails, you can turn off overdraft (get it in writing that it is disabled), open a new account, and move the money away from it. This will trigger a failed payment the next time the charges go through. You can hope they will stop attempting to charge your account, but that's on the vendor side of things and you can't control that.
Nelson
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