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Frequently Asked Questions
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Question:
Can something be charged to my credit card after I have cancelled it?
Answer:
No. Once a credit card has been cancelled, no new charges can be added to the card. However, there may be situations where charges will appear on your credit card statement even after the card has been cancelled. These include transactions that were authorized prior to the cancellation of the card, including recurring monthly transactions and transactions processed by merchants without your authorization.
To cancel any recurring transactions, contact the merchant, in writing. You should also notify all two credit bureaus in Canada to make sure that your credit file shows that your card has been cancelled. However, give the credit card issuer enough time to report the card cancellation to the bureaus (they need approximately 30 days).
To receive a free copy of your credit report and confirm that a note has been added to your file indicating that your card has been cancelled, contact the two major credit-reporting agencies listed below.
If you discover that your credit card has not been cancelled and that a transaction has been charged to your account without your permission, contact your credit card issuer immediately.
Resource(s):
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Credit Cards
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Equifax Canada
Consumer Relations Department
Box 190, Jean Talon Station
Montreal, QC H1S 2Z2
Tel: 514-493-2314 or
Toll-free: 1-800-465-7166
Fax: 514-355-8502 -
TransUnion Canada
For residents of all provinces and territories except Quebec:
Consumer Relations
Box 338, LCD 1
Hamilton, ON L8L 7W2
Toll-free: 1-800-663-9980
Fax: 905-527-0401
TransUnion Canada
For residents of Quebec:
Consumer Relations
1 Place Laval, Suite 370
Laval, PQ H7N 1A1
Toll-free: 1-877-713-3393 -
TransUnion Canada (Echo Group)
For residents of Quebec:
Consumer Relations
1 Place Laval, Suite 370
Laval, QC, H7N 1A1
Toll-free: 1-877-713-3393 -
Understanding Your Credit Report and Score
Classification of this FAQ:
| Category | Sub-category |
|---|---|
| Credit cards | Fraud |
| Cancellations | |
| Consumer protection |
Related Question(s):
- How can I protect myself against unauthorized transactions being made with my credit card?
- If my credit or debit card is lost or stolen, am I liable for any unauthorized transactions that appear on my statement after that?
- How can I get more information about my credit report?
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