To freeze an Aspiration Zero Card, log in to the Aspiration mobile app and navigate to “Card Management." You can also call Aspiration customer service at 1-877-559-0905 and ask them to freeze your card, though it is much easier to lock and unlock a credit card on the app.
Freezing your Aspiration Zero Card will temporarily prevent purchases from being made with your card number, which can be convenient if you lost your credit card or if you’re trying to control your spending. For lost cards, it’s also important to note that you won’t be held responsible for unauthorized purchases thanks to a $0 fraud liability guarantee.
How to Freeze an Aspiration Zero Card
Log in to your Aspiration mobile app.
Navigate to the Card Management section.
Change the settings so that your card is locked.
Locking your Aspiration Zero Card will stop new purchases. To start using your credit card at full capacity again, just navigate back to the Card Management page and unlock the Aspiration Zero Card.
No, you don’t have to pay for unauthorized credit card charges by family members, at least in most cases. If someone takes your credit card and uses it without permission, that’s considered fraud. It doesn’t matter whether they’re family, a friend, or a complete stranger.
Here’s how to handle unauthorized credit card charges by a family member:
Ask that person for payment. If they’re willing to give you the money, you may not need to dispute the charges, and you can give them a warning not to do it again. That could eliminate a lot of the hassle.
Contact your issuer. If your family member refuses to pay you back, you should report the incident to your credit card company. To do so, you’ll need to file a dispute. Once the company investigates the situation, they will issue you a refund if they agree with your claim.
File a police report. This may or may not be necessary. Your card’s issuer may require you to do it in order to approve your claim of fraud. Or you might need to file an identity theft report with the Federal Trade Commission (FTC). It’s understandable if you don’t want to report your family to the authorities, but it’s possible you could end up being liable for the charges if you don’t.
The only other time you might be held liable for unauthorized charges by a family member is if that person is an authorized user on your card and simply bought something against your wishes. Any purchases by an authorized user will not qualify as fraudulent. So, you may want to consider limiting the amount your authorized users can spend. Some cards allow you to do that through your online account.
Yes, closing credit accounts can hurt your credit score in the short term, depending on how old the accounts are and how much other credit you have. But canceling a credit card account might also benefit your credit score in the long run if you manage the rest of your finances better as a result of having one fewer account to worry about.… read full answer
Here’s what happens to your credit score when you cancel a credit card:
Credit score drops: Your credit score often goes down because the average age of your open accounts decreases and your overall utilization increases (since you have less available credit).
Scores bounce back: Your credit score should rebound within 3-6 months of canceling your credit card account. Make sure to have at least one open credit card remaining and pay all your bills on time.
What happens if you don’t cancel: A credit card that is in good standing will continue to help your credit score. Even if you don’t make purchases with it, it will still report positive information to the credit bureaus each month. This is definitely worth considering if your card does not charge an annual fee.
Age matters: Closing newer accounts won’t have as much of an impact as closing older ones.
Limit matters: Closing low-limit accounts won’t do as much damage as closing high-limit ones.
When score drops matter: If you don’t need the best score possible for the 3-6 months it usually takes credit scores to bounce back after credit card cancelation, the temporary drop shouldn’t cost you anything.
Bottom Line: Avoid canceling your oldest card and your card with the highest credit limit. That will mitigate the amount of credit score damage. And if you have to close your oldest or highest-limit card, make sure you do it at a time when you don’t need your credit score to be at its best.
The best way to stop recurring payments on a credit card (like utilities, subscription services, or rent) is to contact the service provider directly. You may be able to do that online, by phone, in person, or by mail, depending on the service.
Online: If you have an online account with the merchant, you will need to log in. There should be a link under your bank information tab to stop recurring payments.
Phone: Some companies allow you to stop recurring payments by phone. Even if you cancel online, this is a good way to confirm the payments have been stopped.
Get confirmation: Make sure you keep a confirmation page, number, or certified mail receipt to prove that you made a request in case you run into any trouble.
Be firm: If you call, the representative will probably try to talk you out of stopping payments. Politely insist to cancel. If they refuse or say they can’t cancel your payments, request a mailing address to send your request.
You should make your request at least three days before the next scheduled payment date, to avoid having another payment go through. Even if you’ve already paid for some of your recurring expense, it’s still worth calling the biller’s customer service department. That way, you can ask about getting a partial refund if you cancel. This can actually work with credit card annual fees, too.
What you should know about recurring payments:
A recurring payment on a credit card is when you give a merchant the authority to automatically charge your card for a product or service at regular intervals (e.g., monthly) until cancelled.
Recurring credit card payments can be household expenses such as a phone or electric bill, or a contract payment like gym membership dues. Other recurring payments include loan installments and charges for subscription services such as Netflix, Amazon Prime, or Spotify.
Generally, you shouldn’t have trouble stopping a recurring payment. But the big issue is making sure to identify all the services you may be charged for on a recurring basis. Then, make sure to stop the ones you don’t want before you get charged again.
If all else fails and it is within your right to cancel, you could report any future charges to your card as fraudulent. This will get the credit card issuer to intervene.
Finally, while you’re allowed to stop recurring payments, you’ll need to find another way to pay if you plan to keep getting service from the provider in question, especially if it’s something like rent. Some places may only let you pay using a card. So, you could always substitute a debit card instead of a credit card. But you’d have to make sure you have enough money in your checking account every month.
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