How do I remove a saved card from my account?

Removing a saved card from Valid Email Checker is a single click with a confirmation step. The card is detached from your Stripe customer (or Paddle anchor) in the same operation, so it really is gone — not just hidden from VEC's UI. There is one important rule: you cannot delete the last card on an active subscription without adding a replacement first.

Standard removal flow

1. Open Account Settings → Billing & Payments.
2. Switch to the Payment Methods sub-tab.
3. Find the card in your saved-cards list (matched by brand and last 4 digits).
4. Click the trash-can icon on the card row.
5. Confirm in the dialog. VEC removes the card locally and detaches it from Stripe/Paddle.
6. The card disappears from the list. If you removed your default, VEC promotes the next-most-recently-used card to default automatically.

The "last card on active subscription" guard

If you only have one card saved and your subscription is Active with last_payment_method = 'card', VEC blocks the removal. The reason: the next renewal would have no card to charge, which would push you to Past Due immediately. The fix is to either:

• Add a new card first, then remove the old one.
• Switch your renewal payment method to crypto via Change card used only on next renewal, then remove the card.
• Cancel the subscription. Once you are on PAYG-only, removing the last card is allowed.

What happens to in-flight stuff

• Auto-refill — if you removed the card auto-refill was using, auto-refill is disabled automatically with a warning. Re-enable it after adding a replacement card.
• Scheduled renewals — VEC will pick the new default card next renewal. If no default exists, the renewal cron creates a pending invoice instead of charging.
• Pending invoices — invoices currently waiting for payment are unaffected by card removals; they remain payable by any saved card or crypto.
• Past-due grace — if your subscription is in past-due, removing the failed card is the standard recovery step (add a new card on Payment Methods, then pay the pending invoice using the new card).