Cancel 123 Cards: The Right Way

How to cancel 123 Cards and stop unwanted charges to your new zealand account

What is 123 Cards and why new zealand consumers need to know their rights

123 Cards is an online platform that lets you design, personalise and send digital greeting cards to friends, family and colleagues across the globe. The service combines a library of professionally designed templates with customisation tools, scheduled delivery, and reminder features that help you remember important dates without forgetting anyone.

The platform operates on a membership model with both free and paid tiers. A paid subscription unlocks unlimited premium cards, removes advertising, adds custom image uploads, print functionality, and multi-channel delivery across email and social platforms. However, 123 Cards uses automatic renewal: your subscription renews on each billing date unless you actively cancel beforehand. This is where many New Zealand customers encounter problems.

Because 123 Cards is based in Denmark, you might assume New Zealand consumer law doesn't protect you. It absolutely does. The Consumer Guarantees Act 1993 and the Fair Trading Act 1986 apply to any business charging you in New Zealand dollars and supplying services to you here, regardless of where they operate. Tocancel exists to help you understand these protections and take confident action if a company refuses to cancel your subscription or processes charges after you've requested cancellation.

How automatic renewal creates hidden costs

Automatic renewal is designed to benefit the company, not you. Once your trial period ends or your current billing cycle completes, 123 Cards automatically charges your payment method for the next term unless you have already cancelled. Free trials are particularly dangerous: you receive 30 days to test the service, but if you forget to cancel before day 31, your card is charged in full without warning.

This is why Tocancel recommends setting a calendar reminder on day 1 of any free trial, marking the exact cancellation deadline at least three days before the trial ends. Write the date down and set a phone alarm to ensure the system has time to process your cancellation before the charge goes through.

Your membership pricing and renewal dates

123 Cards quotes all pricing in United States dollars (USD) and converts to New Zealand dollars at the time of your charge. The service offers three billing cycles: monthly, annual, and two-year plans. Longer commitments provide significant discounts, but all memberships renew automatically on the same date each month or year unless cancelled.

Your renewal date appears on your account dashboard or in your confirmation email. Write this date down and set a reminder to cancel at least five business days before it arrives, giving 123 Cards and your bank time to stop the charge.

Why you might want to cancel 123 Cards

Common reasons new zealand customers cancel

You might cancel 123 Cards because the service no longer fits your needs, you prefer a competitor platform, the customer support has disappointed you, or you simply forgot you had an active subscription. That last scenario is surprisingly common and is one reason thousands of New Zealand consumers have used Tocancel to regain control of recurring charges.

Other valid reasons include discovering the free version covers what you need, finding no real use for premium features you're paying for, wanting to consolidate digital services to reduce spending, or discovering cheaper alternatives. Whatever your reason, cancellation must be straightforward and immediate, not hidden behind multiple clicks or unresponsive customer support.

Recognising when a company is making cancellation difficult

Fair Trading Act 1986 explicitly prohibits unfair contract terms and misleading conduct. If 123 Cards makes cancellation unnecessarily hard to find, requires you to call a premium-rate phone line, or ignores your cancellation requests, these are red flags. Some companies deliberately bury cancellation options deep in account settings to pressure customers into keeping subscriptions they no longer want.

Tocancel helps you identify when a company is acting unfairly and shows you how to escalate your complaint to the Commerce Commission, New Zealand's consumer watchdog. If you've cancelled multiple times but charges continue, or if the company refuses to process your cancellation, you have legal remedies available.

How to cancel 123 Cards based on where you signed up

Cancelling via the 123 Cards website

If you purchased your membership directly through the 123 Cards website, you cancel through your online account dashboard. This is the most direct route and typically processes immediately.

1. Log in to your 123 Cards account at the official website
   • Use your email address and password
   • If you've forgotten your password, click "Forgot Password" and follow the reset link sent to your email
2. Navigate to your account settings or subscription management area
   • This is usually labelled "Account," "Settings," or "Billing"
   • Look for a section specifically titled "Membership," "Subscription," or "Manage Plan"
3. Select the option to cancel or downgrade your membership
   • The system may ask why you're cancelling; answer honestly but briefly
   • Do not be swayed by retention offers unless they genuinely suit your needs
4. Confirm your cancellation request
   • The system should display a confirmation message and send a confirmation email to your registered address
   • Screenshot or save this confirmation for your records
5. Verify the cancellation worked by checking your next billing date
   • Log back in within 24 hours and confirm your membership status shows "cancelled" or "inactive"
   • Check that no new billing date appears on your account

If the website cancellation option is missing or doesn't work, proceed to contact 123 Cards directly using the address provided below. Keep screenshots of the steps you took and the pages you visited.

Cancelling an iOS app store subscription

If you subscribed to 123 Cards through Apple's App Store, you must cancel through your iOS device or iTunes account, not through the 123 Cards website. Apple processes these subscriptions independently, and 123 Cards cannot cancel them on your behalf.

1. Open the Settings app on your iPhone or iPad
   • Scroll down and tap your name at the top of the screen
2. Tap "Subscriptions"
   • If you don't see Subscriptions, tap "Media and Purchases" instead, then tap "Subscriptions"
3. Find 123 Cards in your active subscriptions list
   • Tap the 123 Cards subscription name
4. Tap "Cancel Subscription"
   • Apple will display the date your subscription will end
   • Confirm the cancellation by tapping again if prompted
5. Save your cancellation confirmation
   • Screenshot the final confirmation screen showing your subscription is cancelled
   • This is your proof of cancellation

Your 123 Cards subscription will remain active until the current billing period ends; after that date, no further charges will appear. If charges continue after this end date, you have grounds to dispute them with your bank and report the issue to Tocancel.

Cancelling a google play subscription

If you subscribed via Google Play on an Android device, Google processes the subscription independently. You must cancel through Google Play, not through 123 Cards directly.

1. Open the Google Play Store app on your Android device
   • Tap your profile icon in the top right corner
2. Tap "Manage subscriptions"
   • This opens your subscription list
3. Select 123 Cards from the list
   • Tap the subscription you want to cancel
4. Tap "Cancel subscription"
   • Google will ask you to confirm and may offer a retention discount
   • Select "Cancel subscription" again to proceed
5. Confirm your cancellation has taken effect
   • Take a screenshot of the confirmation message
   • Return to your subscriptions list within 24 hours to verify 123 Cards no longer appears or shows as "cancelled"

Like the App Store, your subscription remains active through the current billing cycle; after that date, no more charges will be processed. Contact Tocancel if charges appear after your confirmed end date.

What happens immediately after cancellation

Understanding your post-cancellation access

When you cancel 123 Cards, your access to premium features stops immediately in most cases, though your account data typically remains accessible until the current billing period ends. You revert to free-tier access if the free version exists. You can still view cards you created and your address book, but you cannot send new premium cards or access paid features.

Your billing cycle end date is crucial: your subscription remains active and charged until this date arrives. Cancelling on day 1 of a monthly cycle means you still have access for 30 days (approximately) before the paid tier expires. After that date, no further charges should appear.

Verifying your cancellation and monitoring your account

After cancelling, take these steps to confirm the cancellation is genuine and monitor for unauthorised charges:

• Log back into your 123 Cards account within 48 hours and verify your membership status shows "cancelled" or displays no active subscription
• Check your bank or credit card statement weekly for 30 days after your expected end date; no charge should appear after this date
• If a charge appears after your cancellation end date, contact your bank immediately and dispute the transaction
• Screenshot or photograph your account status page showing "cancelled" membership as proof of your cancellation request
• Save all confirmation emails 123 Cards sends you regarding the cancellation

If 123 Cards continues to charge your card after your cancellation end date, this is a breach of the Consumer Guarantees Act 1993, which protects you from unfair billing practices. You have the right to demand a refund and report the company to the Commerce Commission via Tocancel's resources.

How to get a refund from 123 Cards

When you're entitled to a refund

New Zealand consumer law entitles you to a refund in several scenarios. If you cancel during a free trial period and the company charges you before the trial officially ends, you can reclaim that charge as a refund. If you requested cancellation but the company continued billing you after your end date, you are entitled to a full refund for all unauthorised charges. If you can prove 123 Cards breached its contract by not providing services you paid for, you can claim a refund.

The Consumer Guarantees Act 1993 also protects you if the service fails to work as advertised or if the company engaged in misleading conduct when you signed up. Tocancel can help you determine whether your specific situation qualifies for a refund claim.

How to request a refund from 123 Cards

Start by contacting 123 Cards directly using the address listed in the final section of this guide. Send a clear, written request stating:

• Your full name and account email address
• The date you requested cancellation and proof (screenshot or confirmation email)
• The specific charge or charges you want refunded
• Your bank account details where the refund should be sent
• A clear statement: "I am requesting a refund under the Consumer Guarantees Act 1993 because [your reason]. Please process this refund within 14 days."

Send this request via email to 123 Cards' customer support address or registered office. Tocancel recommends sending it as a registered letter or email with read receipt so you have proof the company received your request.

If 123 Cards refuses your refund request

If the company ignores your refund request, responds with delays, or refuses to refund unauthorised charges, escalate your complaint to the Commerce Commission. This is the statutory agency responsible for enforcing the Consumer Guarantees Act 1993 and the Fair Trading Act 1986 across New Zealand.

The Commerce Commission can force 123 Cards to refund you, pay penalties, and cease unfair practices. Tocancel provides guidance on filing complaints and ensures your case reaches the right enforcement authority. You do not need a lawyer to lodge a complaint, and the process is free.

Your consumer rights and what they mean

The consumer guarantees act 1993 protects you

Your legal position: 123 Cards must cancel your subscription when you request it and must not charge you after the cancellation end date. The Consumer Guarantees Act 1993 requires all goods and services supplied to New Zealand consumers to be of acceptable quality, fit for purpose, and supplied in good faith. This means 123 Cards cannot use misleading cancellation language, hide cancellation options, or continue billing you after you've cancelled.

The Fair Trading Act 1986 adds another layer of protection by prohibiting misleading or deceptive conduct. If 123 Cards advertises "easy cancellation" but makes the process deliberately difficult, or if the company misrepresents the automatic renewal terms, you have grounds to file a complaint and reclaim any resulting losses.

The commerce commission enforces your rights

If 123 Cards breaches your rights, the Commerce Commission can investigate, demand refunds, and impose financial penalties. You can lodge a complaint free of charge by visiting the Commerce Commission's website or contacting Tocancel for guidance on the process. The Commission takes automatic renewal disputes seriously, especially when companies charge customers who explicitly requested cancellation.

Many New Zealand consumers successfully recover unauthorised charges by escalating to the Commerce Commission. Document your cancellation request, proof of charges after the end date, and your refund request to the company; these materials strengthen your complaint significantly.

Common mistakes to avoid when cancelling 123 Cards

Cancelling through the wrong platform

It can be frustrating to discover you cancelled in the wrong place and the charges keep coming. If you signed up through the App Store but tried to cancel via the 123 Cards website, your cancellation is invalid; the app platform must process it. Similarly, a Google Play subscription cannot be cancelled through Apple or the website. Always verify which platform processed your original purchase by checking your confirmation email or bank statement, then cancel through that same platform.

Tocancel recommends checking your confirmation email immediately after subscribing. This email typically specifies which platform processed your payment and where you must cancel. Save this email for future reference.

Forgetting to cancel before your trial ends

Free trials are a common trap. You sign up, receive 30 days of free access, and forget to cancel before the trial period expires. On day 31, your card is charged. To avoid this, set a calendar reminder for day 25 of your trial (five days before it ends) and cancel immediately. Do not wait until day 30 or later.

If you've already been charged for a trial you forgot to cancel, contact 123 Cards immediately and request a refund under the Consumer Guarantees Act 1993. Many companies will refund first-time trial charges quickly to maintain customer goodwill. If they refuse, escalate to the Commerce Commission.

Not saving cancellation confirmation

After clicking "cancel," take a screenshot of the confirmation message and save all confirmation emails. If 123 Cards later claims you never cancelled, your screenshot is your proof. This is especially important if unauthorised charges appear later; your proof of cancellation is what allows you to dispute the charge with your bank and file a complaint with Tocancel.

Cancelling before checking your billing date

You are entitled to use your subscription through the end of your current billing period. If you cancel on day 2 of a monthly cycle, you still have access until day 32 (approximately). This is not a problem; you are simply protecting yourself from unexpected future charges. However, do not cancel and then expect an immediate refund for the unused portion of your current cycle unless your country's law explicitly allows this. Check your 123 Cards terms of service or contact Tocancel if you're unsure whether you qualify for a pro-rata refund.

Pricing, comparison and when to cancel

123 Cards membership plans and costs

All pricing converts from USD to NZD at the time of your transaction. Exchange rates fluctuate, so your actual NZD charge may vary slightly. The annual plan offers the best value per month, but only if you genuinely use the service regularly. If you are unsure, start with monthly and upgrade later.

When cancelling makes financial sense

Cancel 123 Cards if you have not sent a single card in the past three months, if you've found a cheaper competitor, or if you can meet your card-sending needs with the free version. Cancelling saves money and eliminates the risk of forgotten renewal charges. If you think you might use the service again later, the free tier remains available indefinitely.

Tocancel recommends reviewing all your active subscriptions quarterly. Set a reminder to check 123 Cards and any other recurring charges you maintain. If you cannot remember the last time you used a service, that is a strong signal to cancel.

How to contact 123 Cards for cancellation support

Mailing address and contact details

If you cannot cancel through your account dashboard or app, or if you need to submit a formal cancellation request or refund claim, contact 123 Cards at the registered office address below. This is the official address specified in 123 Cards' terms and conditions.

123 Cards
Strandvejen 100
2900 Hellerup
Denmark

Send cancellation requests via registered mail or email to their customer support contact (check the 123 Cards website for the current customer service email address). Include your full name, account email, and a clear statement requesting cancellation. Ask for written confirmation of your cancellation date.

Escalation if 123 Cards ignores your request

If 123 Cards does not respond within 14 days or refuses to cancel your account, file a complaint with the Commerce Commission in New Zealand. Tocancel can guide you through this process step-by-step. The Commission has the authority to enforce your cancellation and refund rights under New Zealand consumer law.

Final checklist before you cancel

Before hitting the cancellation button, verify you have completed these steps:

• Checked your confirmation email to identify which platform (website, App Store, or Google Play) processed your original purchase
• Located your 123 Cards account and confirmed your next billing date
• Set a calendar reminder to cancel at least three days before your renewal date
• Reviewed whether the free tier meets your future card-sending needs
• Taken a screenshot of your membership details showing your current plan and billing date
• Prepared to save your cancellation confirmation once the process completes

How tocancel helps you stay in control

Cancelling a subscription should be straightforward, but many companies-including those offering digital services like greeting cards-deliberately make the process difficult to retain paying customers. Tocancel has helped thousands of New Zealand consumers cancel unwanted subscriptions, dispute unauthorised charges, and claim refunds they deserve under consumer law.

Whether you need step-by-step guidance on cancelling 123 Cards, help drafting a refund demand letter, or support escalating a complaint to the Commerce Commission, Tocancel provides free resources and expert advice. Our mission is to restore control of your recurring charges and ensure companies treat you fairly.

Start your cancellation today. Visit Tocancel to access templates, contact information, and detailed guidance tailored to your situation. You have the right to cancel at any time, and Tocancel is here to make sure that right is honoured.