Edit or Remove My Credit Card Information

Overview of Payment Method Management

CharityAuctionsToday allows bidders and donors to securely save credit card information for convenient checkout and automatic payment processing. Managing your saved payment methods—including editing outdated cards, adding new cards, or removing old ones—ensures smooth transactions when winning auction items or making donations while maintaining security and control over your financial information.

Why Manage Your Payment Information

Reasons to Update or Remove Cards

Common scenarios requiring payment method changes:

Card Changes:

• Credit card expired
• Lost or stolen card
• Card replaced by bank
• New card number issued
• Fraudulent activity detected
• Upgraded card type

Personal Circumstances:

• Changed banks or financial institutions
• Closed credit card account
• Prefer different payment method
• Using business vs. personal card
• Budget management reasons

Security Concerns:

• Data breach reported
• Suspicious activity noticed
• Regular security practice
• Reducing stored payment data
• Account consolidation

Accuracy and Reliability:

• Prevent declined charges
• Avoid failed auto-payments
• Ensure smooth checkout
• Update billing address
• Maintain current information

Privacy Management:

• Control stored information
• Minimize data exposure
• Remove unused accounts
• Clean up old records
• Data privacy compliance

Understanding Saved Payment Methods

How Payment Information is Stored

Security and storage explained:

Tokenization:

• Full card numbers never stored
• Unique token represents card
• Token useless if intercepted
• PCI DSS compliant storage
• Industry-standard security

What's Stored:

• Last 4 digits of card number
• Card type (Visa, Mastercard, etc.)
• Expiration date
• Cardholder name
• Billing zip code
• Token reference

What's NOT Stored:

• Full card number
• CVV/security code
• PIN numbers
• Banking credentials
• Sensitive card data

Security Measures:

• Encrypted transmission
• Secure payment processor storage (Stripe, PayPal, Square)
• Regular security audits
• Access controls
• Fraud detection systems

Default Payment Method

Primary card selection:

What is Default Card:

• Primary payment method
• Used for auto-charge
• First option at checkout
• Quick payment selection
• Convenient for repeat use

Setting Default:

• Mark preferred card as default
• Change default anytime
• Only one default allowed
• Appears first in payment list
• Used unless specified otherwise

How to Edit Credit Card Information

Step-by-Step Card Update

Step 1: Log Into Your Account

1. Navigate to CharityAuctionsToday website
2. Click "Login" or "Sign In"
3. Enter email address and password
4. Complete two-factor authentication if enabled
5. Access your account dashboard

Step 2: Access Payment Settings

From Account Menu:

1. Click your name or profile icon
2. Select "Account Settings" or "My Account"
3. Click "Payment Methods" or "Saved Cards"
4. View your saved payment methods

From Checkout:

1. During auction checkout process
2. See saved payment methods
3. Click "Manage Payment Methods"
4. Edit or add cards

Step 3: Locate Card to Edit

1. View list of saved payment methods
2. Cards displayed with last 4 digits
3. Card type icon shown (Visa, Mastercard, etc.)
4. Expiration date visible
5. Default card indicated

Step 4: Click Edit or Update

1. Click "Edit," "Update," or pencil icon
2. Card update form appears
3. Current information displayed
4. Ready to make changes

Step 5: Update Card Information

What You Can Change:

Card Number:

• Enter complete new card number
• 15-16 digits depending on card type
• No spaces or dashes
• Replace entirely, not partial updates

Expiration Date:

• Month and year
• MM/YY or MM/YYYY format
• Dropdown selection typically
• Must be future date

CVV/Security Code:

• 3-4 digit code on card
• Back of card (Visa, Mastercard, Discover)
• Front of card (American Express)
• Required for verification
• Not stored after verification

Cardholder Name:

• Name as appears on card
• First and last name
• Match card exactly
• Legal name typically required

Billing Address:

• Street address
• City, state, zip code
• Must match card billing address
• Required for verification
• Prevents fraud

Step 6: Verify Information

• Review all entries for accuracy
• Check card number completely entered
• Verify expiration date correct
• Confirm name spelling
• Validate billing address

Step 7: Save Changes

1. Click "Save," "Update," or "Confirm"
2. Card information validated
3. Verification process runs
4. Confirmation message appears
5. Updated card shown in list

Step 8: Test New Card (Optional)

• Make small donation to test
• Process test transaction
• Verify card works correctly
• Check confirmation received
• Ensure smooth processing

What Happens After Updating

Changes take effect immediately:

Future Transactions:

• New card used for subsequent purchases
• Auto-charge uses updated card
• Checkout shows new card details
• Old card no longer available
• Seamless transition

Pending Transactions:

• Already-scheduled charges may use old card
• Contact support about pending payments
• Update before scheduled auto-charges
• Coordinate with organization if needed

No Impact On:

• Past transaction records
• Historical payment data
• Tax receipts issued
• Completed purchases
• Auction participation history

How to Add New Payment Method

Adding Additional Cards

Have multiple payment options:

Step 1: Access Payment Methods

• Navigate to Payment Methods section
• View existing saved cards
• Locate "Add Card" or "Add Payment Method"

Step 2: Click Add New Card

1. Click "Add Card," "Add Payment Method," or "+"
2. New card entry form appears
3. Blank fields ready for input

Step 3: Enter Card Details

Required Information:

• Full card number
• Expiration date (MM/YY)
• CVV/security code
• Cardholder name
• Billing address
• Zip code

Step 4: Set as Default (Optional)

• Checkbox: "Set as default payment method"
• Check if primary card
• Leave unchecked for backup card
• Can change default later

Step 5: Save New Card

1. Click "Add Card" or "Save"
2. Card validated with processor
3. Verification may include small charge
4. Card appears in payment methods list
5. Ready for immediate use

Step 6: Verify Card Added

• Check payment methods list
• New card displayed
• Last 4 digits shown
• Card type icon visible
• Default status if applicable

Multiple Payment Methods

Managing several cards:

Benefits of Multiple Cards:

• Backup if primary declines
• Different cards for different purposes
• Personal vs. business separation
• Spending limit management
• Flexibility in payment

Best Practices:

• Keep 2-3 cards maximum
• One primary default card
• Remove unused cards
• Keep information current
• Label cards clearly if supported

Switching Between Cards:

• Select preferred card at checkout
• Change default card anytime
• Quick selection dropdown
• Clear card identification
• Easy payment choice

How to Remove Credit Card Information

Deleting Saved Payment Methods

Step 1: Access Payment Methods

• Log into your account
• Navigate to Payment Methods
• View all saved cards

Step 2: Select Card to Remove

1. Locate card in list
2. Identify by last 4 digits
3. Check card type and expiration
4. Ensure correct card selected

Step 3: Click Delete or Remove

1. Click "Delete," "Remove," or trash icon
2. Deletion confirmation appears
3. Warning about removal shown

Step 4: Confirm Deletion

• Read confirmation message
• Understand implications
• Click "Confirm," "Yes, Delete," or "Remove"
• Card immediately deleted
• Removal confirmation shown

Step 5: Verify Card Removed

• Check payment methods list
• Card no longer appears
• Remaining cards displayed
• Update successful

Important Considerations Before Deleting

Cannot Delete If:

• Only payment method on file
• Active bids with auto-charge enabled
• Pending scheduled payments
• Required by organization policy
• Must have at least one card

What Happens After Deletion:

• Card no longer available for future purchases
• Cannot be used for checkout
• Not available for auto-charge
• Past transactions unaffected
• Historical records preserved

Before Deleting:

• Add replacement card first
• Verify no pending charges
• Check auto-charge settings
• Confirm not needed for future bids
• Update default if removing default card

Cannot Undo:

• Deletion is permanent
• Must re-enter card if needed again
• All details must be re-entered
• No recovery option
• Can add same card again as new entry

Security Best Practices

Protecting Your Payment Information

Important security measures:

Regular Updates:

• Update expired cards promptly
• Replace compromised cards immediately
• Keep billing address current
• Maintain accurate information
• Quarterly review of saved cards

Remove Old Cards:

• Delete expired cards
• Remove replaced cards
• Clean up unused methods
• Minimize stored data
• Reduce security exposure

Monitor Account Activity:

• Review transaction history regularly
• Check for unauthorized charges
• Verify all purchases legitimate
• Report suspicious activity immediately
• Enable transaction alerts

Strong Account Security:

• Use strong, unique password
• Enable two-factor authentication
• Never share login credentials
• Log out after use on shared devices
• Keep contact information current

Recognize Phishing:

• CharityAuctionsToday never requests full card numbers via email
• Don't click suspicious links
• Verify website URL before entering data
• Contact support if unsure
• Report phishing attempts

When to Contact Support

Situations requiring assistance:

Cannot Update Card:

• Error messages when saving
• Validation repeatedly fails
• System not accepting card
• Technical glitches
• Persistent problems

Cannot Remove Card:

• Delete option not available
• Deletion fails
• Error messages appear
• Stuck in system
• Need to override restrictions

Unauthorized Charges:

• Charges you didn't authorize
• Duplicate charges
• Incorrect amounts
• Fraudulent activity
• Dispute needed

Card Information Concerns:

• Data breach suspected
• Security questions
• Privacy concerns
• Compliance questions
• General card storage questions

Troubleshooting Common Issues

Card Update Problems

Problem: New Card Not Accepted

Possible Causes:

• Incorrect card number
• Card not activated
• Billing address mismatch
• International card restrictions
• Card type not supported
• Bank blocking charge

Solutions:

1. Verify all information accurate
2. Contact your bank
3. Try different card
4. Check card activated
5. Verify billing address matches card
6. Contact support for assistance

Problem: Expiration Date Won't Update

Possible Causes:

• Date format incorrect
• Past date entered
• System error
• Browser cache issue

Solutions:

1. Use correct format (MM/YY)
2. Ensure future date
3. Clear browser cache
4. Try different browser
5. Contact support

Problem: Billing Address Rejected

Possible Causes:

• Doesn't match card records
• Abbreviation differences
• Special characters in address
• Bank has different address on file

Solutions:

1. Use address exactly as bank has it
2. Try without abbreviations
3. Remove special characters
4. Contact bank to verify address
5. Update address with bank first

Card Removal Problems

Problem: Cannot Delete Card

Possible Causes:

• Only payment method on file
• Pending transactions
• Active bids with auto-charge
• System restriction
• Required by event rules

Solutions:

1. Add another card first
2. Check for pending charges
3. Wait for transactions to complete
4. Contact event organizer
5. Contact support for override

Problem: Deleted Card Still Appears

Possible Causes:

• Browser cache showing old data
• Sync delay
• System error

Solutions:

1. Refresh page
2. Log out and back in
3. Clear browser cache
4. Wait 5-10 minutes
5. Contact support if persists

Mobile App Payment Management

Managing Cards on Mobile

Mobile-specific instructions:

iOS App:

1. Open CharityAuctionsToday app
2. Tap menu icon (☰)
3. Tap "Account" or profile icon
4. Select "Payment Methods"
5. Tap card to edit
6. Or tap "+" to add new card
7. Tap "Delete" to remove
8. Save changes

Android App:

1. Open CharityAuctionsToday app
2. Tap menu icon (☰)
3. Tap "Settings" or profile
4. Select "Payment Methods"
5. Tap card to edit
6. Or tap "Add Card"
7. Swipe left to delete
8. Confirm changes

Mobile Browser:

1. Navigate to CharityAuctionsToday.com
2. Log into account
3. Follow same steps as desktop
4. May need to zoom for small fields
5. Ensure proper keyboard display
6. Save changes before navigation

Auto-Charge Implications

Impact on Automatic Payments

How card changes affect auto-charge:

Before Auction Closes:

• Update card before auction ends
• New card used for auto-charge
• Prevents payment failure
• Ensures smooth collection
• Recommended best practice

If Card Expired:

• Auto-charge will fail
• Organization notified
• Retry attempts made
• Update card promptly
• Follow up communication sent

After Winning:

• Update card immediately if needed
• Before scheduled charge time
• Prevent failed transaction
• Maintain good standing
• Ensure item receipt

Best Practices:

• Update cards proactively
• Don't wait for expiration
• Check before each auction
• Set calendar reminders
• Maintain current cards

Privacy and Data Rights

Your Rights Regarding Payment Data

Understanding data control:

Right to Update:

• Change information anytime
• Correct inaccurate data
• Keep information current
• No restrictions on updates

Right to Delete:

• Remove payment methods
• Delete card information
• Close account entirely
• Data deletion upon request

Data Retention:

• Transaction history retained
• Payment method details deleted
• Compliance with regulations
• Audit trail maintained
• Historical records preserved

GDPR Compliance (if applicable):

• Access your data
• Correction rights
• Deletion rights (right to be forgotten)
• Data portability
• Processing transparency

CCPA Rights (California):

• Know what data collected
• Know how data used
• Request deletion
• Opt-out of sale (not applicable - data not sold)
• Non-discrimination for exercising rights

Conclusion

Managing your credit card information on CharityAuctionsToday is straightforward and secure, giving you complete control over your saved payment methods. Whether you need to update an expired card, add a new payment option, or remove old cards for security purposes, the platform provides easy-to-use tools accessible from your account settings at any time.

Update payment information promptly when cards change to ensure smooth auction checkout and prevent auto-charge failures, add multiple cards for backup payment options and flexibility, and remove unused or expired cards regularly to minimize stored data and maintain security hygiene. The platform uses industry-standard tokenization and encryption to protect your financial information, with payment details never stored in full and only secure tokens maintained for transaction processing.

Access your payment methods through Account Settings or Payment Methods, make changes with just a few clicks, and rest assured that updates take effect immediately for all future transactions. By keeping your payment information current and secure, you ensure seamless participation in charity auctions while supporting the causes you care about through CharityAuctionsToday.

Tom Kelly

Tom Kelly, TEDx speaker and CEO of CharityAuctions.com, helps nonprofits raise millions through auctions and AI. He hosts The Million Dollar Nonprofit podcast and inspires leaders to live their legacy, not just leave it.