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  1. #1
    Join Date
    Sep 2009
    Posts
    4

    Default Re: Can I Be Billed in an Expired Credit Card

    Quote Quoting EricPost
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    Yes you can be billed, the merchant if he had your old card with an old expiration date, simply will make up a new experation date. It will go through.

    What you need to do is simply dispute the credit card charge. This is done in writing, not via phone and the exact details appear on the back of your credit card statement. It'll tell you what info to send in and why you are disputing your charge

    This must be done within a certain time period, I think it is 60 days after the charge appears on your statement.

    The credit card company will immediately take the charge off your credit statement and investigate. The merchant than has to prove that charge is legit. If they don't do it in a certain amount of time, you win automatically.

    If they can prove it, and how can they if they don't have the correct experiation date, (unless they guessed well), you'll win the dispute

    Remember do it in writing, do NOT CALL, you can call but you must do it in writing to preserve your rights.
    Hi!

    Thanks for your reply.

    There is no statement being issued to me anymore. The card expired last July.

    Here's another question if you may, since there is no statement being issued to me by my old bank because my card had expired, I assume I have no debt to my old bank. Is that correct?

    Thanks!

  2. #2

    Default Re: Can I Be Billed on an Expired Credit Card

    Here's another question if you may, since there is no statement being issued to me by my old bank because my card had expired, I assume I have no debt to my old bank. Is that correct?
    Correct. But why do you think you owe anyone anything? If the bank is not sending you a bill, nor the service you subscribed to, then the service probably cancelled your service when its request for payment was declined and that's that.

    If you are going to write anyone, I'd write the service. But, I think they would have already contacted you if you stilled owed them something.

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