51–60 of 60 posts
Earlier quoted context omitted.
Any recommendations on 'disposable' credit cards?
Citibank provides a web service that dynamically generates a credit card number linked to your account, which is only valid for a month. This service comes free with their credit cards AFAIK.
You're missing that you should just start contesting the charges. You made a good faith effort to downgrade. Chargebacks sound like the only way to get their attention.
I'm a little wary of doing that - presumably they'll start pushing back and getting on credit card shit lists is something that makes me feel even more helpless than not being able to cancel something.
Earlier quoted context omitted.
Considering a company benevolent is a bit much, I think.
By not considering a company evil, I haven't said anyone is benevolent. I have a hard time believing nefarious acts are afoot here. I'd prefer not to see paranoia on HN.
You're missing that you should just start contesting the charges. You made a good faith effort to downgrade. Chargebacks sound like the only way to get their attention.
I'm a little wary of doing that - presumably they'll start pushing back and getting on credit card shit lists is something that makes me feel even more helpless than not being able to cancel something.
You're missing that you should just start contesting the charges. You made a good faith effort to downgrade. Chargebacks sound like the only way to get their attention.
You know, a person can always CALL on a 'telephone' and speak to someone from LinkedIn in person. After dealing with a short wait period, you will get to talk to someone who will help you, thus avoiding the nastiness in court.
Earlier quoted context omitted.
Better idea: ContestIt file complaints with any number of credit card companies and collect statistics on the number of complaints vs. number of successful chargebacks by business, by CC company, and by industry. Sell the statistics. Use a pass-through form to handle the CC transaction, and be excruciatingly honest about how the process works. Basically, act as an aggregator to get better leverage and provide conveni…
Not sure the profit model on this one -- seems like once the data is correlated it's just the same data, whereas a service would have individual meaning to each customer (a la "get these clowns off my back!") I can think of at least five other "cousins" of this idea. No matter how you do it, there's a big imbalance between providers and consumers -- and wherever there is an imbalance, there is economic opportunity.
Say, $10 to file and pursue any number of contested charges in one go. Stand-in for the consumer as contact and email them whenever their intervention is required (eg. limited power of attorney). Over time, develop statistics to either serve as positive ("99.9% of disputes amicably resolved without chargebacks") or negative (publish a list of the worst offenders and their average resolution times) reinforcement.
See also RescueTime :-) for examples of a service that extracts marginal revenue from aggregating data.
Earlier quoted context omitted.
Not sure the profit model on this one -- seems like once the data is correlated it's just the same data, whereas a service would have individual meaning to each customer (a la "get these clowns off my back!") I can think of at least five other "cousins" of this idea. No matter how you do it, there's a big imbalance between providers and consumers -- and wherever there is an imbalance, there is economic opportunity.
The profit model for the aggregate data is marginal (above that for an individual consumer), it's just a means of squeezing extra revenue out of the equation. Sort of like Consumer Reports or JD Power -- they're mostly there to sell a service, but as a result of the data they collect, they also have leverage with manufacturers (in addition to trust from consumers). Say, $10 to file and pursue any number of contested…