# Managing Saved Payment Methods

> A short, clear guide to removing an old card, adding a new one, or changing which card CallTuv charges - all through a secure payment page.

**TL;DR:** On the Balance page, click Manage Payment Methods to add or remove cards and set the default (the card auto top-up charges). Cards are held securely by Stripe, never by CallTuv.

Got a new card? Old one expired? Changing which card gets charged? All of it happens in one secure place, and takes about a minute.

## Opening your payment settings, step by step

1. Open your internet browser and go to [calltuv.com/balance](https://calltuv.com/balance) - sign in if asked. (Payment methods are managed on the website; the mobile app's purchases go through your app store instead, so there's nothing to manage there.)
2. On the Balance page, find and click the button labeled **Manage Payment Methods**.
3. A secure page opens, run by **Stripe** - the payment company that processes CallTuv payments. This is normal and safe: your cards live with Stripe, never with CallTuv, which is why you manage them on Stripe's page.

## What you can do there

- **Remove a card** - choose the card and delete it. Gone immediately.
- **Add a new card** - enter its details once; it's then available for future top-ups.
- **Set the default card** - mark one card as your main one. This matters for one reason in particular: the **default card is the one [auto top-up](/help/4573082-auto-top-up-never-run-out-of-credit) charges** when your balance runs low. If you replace a card, take a second to mark the new one as default so automatic top-ups continue smoothly.

When you're done, simply close the page - changes take effect right away.

## Reassurances worth having

- Removing every card is completely safe: your existing balance stays exactly where it is and [never expires](/help/6198430-understanding-rates-and-per-minute-billing). The only effect is that auto top-up pauses until a card exists again.
- If a card is being refused at checkout, that's a different matter with its own easy fixes - see [Payment Not Going Through at Checkout](/help/8593067-payment-not-going-through-at-checkout).