How to cancel 123 Cards and protect your new zealand billing rights

What is 123 Cards and why new zealand users subscribe

123 Cards is an online greeting card platform that lets you send personalised digital cards to friends, family and colleagues across the globe. The service handles customisation, scheduling and delivery notifications, removing the friction of remembering important dates and manually sending greetings to everyone who matters to you.

The platform operates on a membership model with both free and premium tiers. A paid subscription unlocks unlimited premium ecards, removes advertising, adds custom image uploads, print-to-post services and multi-channel sending across email and social platforms. You pay in New Zealand dollars, but the company operates from Denmark, which does not exempt you from local consumer protection.

Core features and membership structure

123 Cards hosts a substantial library of professionally designed templates across birthdays, anniversaries, sympathy, seasonal events and corporate occasions. You access date reminders to flag upcoming events, personalisation tools to add your own text and images, and an address book that stores recipient details for faster sending.

Membership pricing is billed on monthly, annual or two-year cycles, with longer plans offering significant savings. All memberships renew automatically unless you cancel beforehand. This automatic renewal is where many New Zealand customers encounter surprise charges, particularly when they sign up for a free trial and forget to cancel before the trial period expires.

Why new zealand consumer law applies to 123 Cards

Because 123 Cards operates from Denmark (Strandvejen 100, 2900 Hellerup), you might assume New Zealand consumer protections do not apply. This assumption is incorrect. The Consumer Guarantees Act 1993 and the Fair Trading Act 1986 protect all consumers who are charged in New Zealand dollars and receive services within New Zealand, regardless of the supplier's location.

Yafee exists to help you understand these protections and enforce them. Whether 123 Cards fails to process your cancellation, charges you after you have cancelled, or refuses a legitimate refund claim, you have legal leverage on your side grounded in New Zealand statute law.

Why you might want to cancel 123 Cards

Common reasons for ending your membership

You might cancel 123 Cards because the service no longer fits your needs, you prefer a competing platform, you are unhappy with customer support response times, or you simply forgot you held an active subscription. That last reason is surprisingly common and drives much of the demand for cancellation guidance.

Other reasons include discovering the free version meets your actual needs, finding no use for premium features you are paying for, wanting to consolidate digital services to reduce monthly outgoings, or switching to a competitor that better integrates with your existing tools. Whatever your reason, cancellation should be straightforward and without delay, not hidden behind obstacles or obfuscated procedures.

Understanding automatic renewal and free trial traps

Auto-renewal subscriptions are designed to benefit the company, not you. If you do not actively cancel, 123 Cards continues to charge your card at each renewal date without prompting or re-consent. Free trials are particularly risky: you get 30 days (or another trial period) to test the service, but if you forget to cancel before that period ends, your card gets charged in full on day 31.

Yafee recommends setting a phone reminder as soon as you activate a free trial. Write down the exact cancellation deadline, mark it in your calendar, and cancel at least three days before the trial expires to allow the system time to process your request and confirm the cancellation.

How to cancel 123 Cards across different platforms

Where you purchased your 123 Cards membership determines how you cancel; the platform offers three cancellation paths that operate under different rules and processes.

Cancellation method one: through your web account dashboard

1. Log into your 123 Cards account using your registered email address and password on the main website.
2. Navigate to Account Settings or My Account (usually located in the top-right menu under your profile icon or name).
3. Select Subscriptions, Membership or Billing Settings from the menu.
4. Locate your active subscription and select Cancel Subscription or Manage Subscription.
5. Complete any cancellation survey or feedback prompt if the platform displays one (optional responses are acceptable).
6. Confirm cancellation when prompted; the system will display a confirmation message and send a confirmation email to your registered address.
7. Save or screenshot this confirmation as evidence of your cancellation request.

Cancellation method two: via the iOS app store

1. Open the App Store app on your iPhone or iPad and tap your profile icon at the top right.
2. Select Subscriptions from the dropdown menu.
3. Find 123 Cards in your active subscriptions list.
4. Tap the 123 Cards subscription and select Cancel Subscription.
5. Confirm your cancellation when prompted; the App Store will display a confirmation message.
6. Apple will send a confirmation email to your account email address.
7. Screenshot the confirmation as proof of cancellation.

Cancellation method three: through google play

1. Open the Google Play Store app on your Android device.
2. Tap your profile icon in the top-right corner and select Payments and Subscriptions.
3. Select Subscriptions from the menu.
4. Tap 123 Cards from your active subscriptions.
5. Select Cancel Subscription and confirm your choice.
6. Google Play displays a cancellation confirmation and sends an email to your Google account address.
7. Screenshot this confirmation email for your records.

Cancellation method four: by direct contact with 123 Cards

If you cannot cancel through your subscription platform, you can contact 123 Cards directly. Send a written cancellation request to the company's registered office address in Denmark:

123 Cards ApS
Strandvejen 100
2900 Hellerup
Denmark

Send your request by registered post or email (if an email address is provided on the website) and include your full name, registered email address, account details and the date you wish the cancellation to take effect. Request a written confirmation of cancellation. Keep copies of your request and any responses.

What happens after you cancel your 123 Cards subscription

Your cancellation outcome depends on when in your billing cycle you cancel and what refund entitlements you hold under New Zealand law.

Immediate changes after cancellation

Once you cancel, your access to premium features ceases. You retain free account access, including any cards you have already sent and your address book, but you cannot access unlimited premium card designs, print services or advanced sending options until you resubscribe. The company stops charging your card at the next renewal date only if you cancel before that date arrives.

Refund eligibility under new zealand consumer law

The Consumer Guarantees Act 1993 entitles you to a refund if 123 Cards fails to deliver the service as described, misrepresents features in advertising, or engages in misleading or deceptive conduct. If you cancel within 14 days of purchase (the statutory cooling-off period for distance sales), you may claim a refund of the full subscription cost, provided you do not use the service substantially during this period.

If you cancel after 14 days, your refund entitlement depends on circumstance: you may claim a pro-rata refund (a refund for unused days remaining in your billing cycle) if you paid for a longer period (monthly, annual or two-year) and cancel partway through. You do not have an automatic right to a pro-rata refund under statute law, but many companies honour this practice as fair dealing.

Your legal position on cancellation and refunds

Under the Consumer Guarantees Act 1993 and the Fair Trading Act 1986, you hold the following rights: (1) the right to cancel a distance contract (including online subscriptions) within 14 days of purchase without penalty; (2) the right to receive services as described, or to claim a refund if the service fails to meet this standard; (3) the right to cancel recurring charges if the company fails to obtain your explicit, informed consent to auto-renewal before charging you; and (4) the right to clear, accessible cancellation procedures that do not require you to contact the company by phone or navigate hidden menus.

If 123 Cards refuses to process your cancellation, charges you after you cancel, or denies a refund claim you believe is valid, you can escalate your complaint to the Commerce Commission (comcom.govt.nz), the government agency responsible for enforcing consumer law in New Zealand. Yafee can help you gather evidence and lodge a formal complaint if the company does not respond to your initial request within 20 working days.

Pricing and billing structure for 123 Cards

Understanding what you are paying for helps you decide whether the service justifies its cost and whether cancellation is the right choice.

All paid plans renew automatically unless you cancel. Longer plans offer better per-month value but lock you into a longer commitment and a higher single charge. Pricing is quoted in USD on the website but converted and charged to you in NZD using the card issuer's exchange rate, which may differ from the displayed USD amount.

Common cancellation mistakes and how to avoid them

Cancellation failure is frustrating, but it is also preventable. Most problems arise from using the wrong cancellation method or failing to document your request.

Mistake one: cancelling through the wrong platform

If you signed up through the iOS App Store, you must cancel through the App Store, not the 123 Cards website. If you signed up through Google Play, you must cancel through Google Play. Attempting to cancel through the website when your subscription is managed by Apple or Google does not terminate your subscription, and you will continue to be charged. Always cancel through the platform where you initially purchased the subscription.

Mistake two: not saving cancellation confirmation

If you do not screenshot or save your cancellation confirmation, you have no evidence that you cancelled. If the company charges you again, you cannot prove you submitted a cancellation request, and the company can claim the charge was valid. Always capture and save confirmation messages, emails and screenshots immediately after cancelling.

Mistake three: cancelling too close to the renewal date

If you cancel within one day of your renewal date, the system may not process your cancellation in time, and you will be charged. Yafee recommends cancelling at least three days before your renewal date to allow the system processing time.

Mistake four: failing to follow up on no response

If you email 123 Cards to cancel and receive no response within 20 working days, the company is in breach of its legal obligation to acknowledge and respond to consumer requests. Do not assume the company has cancelled your subscription. Contact them again and escalate to the Commerce Commission if they do not respond within a further 10 working days.

Comparing 123 Cards with alternative greeting card services

Before you cancel, you might want to compare 123 Cards with competing services to ensure you select the best alternative for your needs.

Checklist before you cancel 123 Cards

Use this checklist to prepare your cancellation and protect your interests.

• Note your subscription start date and next renewal date (check your account or billing email).
• Identify which platform you used to subscribe (website, iOS App Store or Google Play).
• Calculate whether you are within the 14-day cooling-off period; if yes, note that you may claim a full refund.
• Download or screenshot your account details, including email and subscription level, as evidence.
• Set a phone reminder for at least three days before your renewal date.
• Choose your cancellation method based on your subscription platform.
• Cancel and immediately save the confirmation message, email or screenshot.
• Wait three to five business days and check your account to confirm the subscription no longer appears as active.
• Monitor your bank statement for the next 30 days to confirm no further charges appear.
• If you are charged after cancellation, contact Yafee for escalation and dispute assistance.

Contact 123 Cards for cancellation and support

If you need to contact 123 Cards directly, use the following address.

123 Cards ApS
Strandvejen 100
2900 Hellerup
Denmark

Send cancellation requests by registered post or email (if provided on the website). Include your full name, registered email address, account details and your requested cancellation effective date. Request written confirmation of cancellation and keep all correspondence.

Yafee has helped thousands of New Zealand consumers cancel unwanted subscriptions, recover overcharged fees and enforce their consumer rights against overseas companies. If 123 Cards refuses your cancellation request, charges you after you have cancelled, or denies a refund you believe is valid, Yafee can guide you through escalation to the Commerce Commission and help you pursue your claim. Your rights under New Zealand law are clear, portable and enforceable, and Yafee is here to ensure the company respects them.