Thread: How to stop a payment

Before I found this board I mistakingly agreed by phone to pay off an old JC Penny debt to a CA. I agreed to two equal payments taken off my Visa Debit card - one on July 13th and one on Aug 13th. Now that I found this board, I want to stop the last payment unless I get a pay for deletion agreement from the CA. How should I go about stopping payment without actually having to cancel my card? I am afraid a letter will take too long to make this agreement with the CA work so I am most likely gonna have to call them with a threat to cancel my card.

Thanks for any advice,

Debit card transactions are difficult to cancel before they occur, however you could try to see if your bank could stop transactions for that specific amount; but then they could subtract a penny, to get it to a different amount, and sneak through.