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I closed my credit card account, but the bank continued to accept recurring charges (such as charges from my insurance company). Why won’t the bank stop accepting these charges?

Most credit card account agreements require you to cancel all agreements for preauthorized charges by merchants before closing the account to prevent the charges from being accepted. You should contact the merchant, rather than the bank, to cancel the agreement.

Review your account agreement for policies specific to your bank and your account.

For more information, see the Automatic Withdrawals & Preauthorized Payments FAQs on this website.

Last Reviewed: October 2020

Please note: The terms "bank" and "banks" used in these answers generally refer to national banks, federal savings associations, and federal branches or agencies of foreign banking organizations that are regulated by the Office of the Comptroller of the Currency (OCC). Find out if the OCC regulates your bank. Information provided on HelpWithMyBank.gov should not be construed as legal advice or a legal opinion of the OCC.

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