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Facebook Let Kids Rack Up Charges on Parents' Credit Cards

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Re: Facebook Let Kids Rack Up Charges on Parents' Credit Cards

#131

Post by acct1771 »

a12432 wrote: post #115
colejohnson66 wrote: post #75

Earlier quoted context omitted.

Single use cards like privacy.com provides might be the solution you’re looking for

AMEX is what provides that solution, and fine the merchant as a bonus. It's called disputing a charge. Other cards have the option too, but AMEX will fight for you the most. I've literally had merchants issue a partial refund, disputed the original charge, and ended up with bonus money, multiple times. There is a cost to using credit cards. One of the main reasons to use them is this protection against bad actors, an…

>I've literally had merchants issue a partial refund, disputed the original charge, and ended up with bonus money

...why is this ethical?

Re: Facebook Let Kids Rack Up Charges on Parents' Credit Cards

#132

Post by [deleted] »

a12432 wrote: post #115
colejohnson66 wrote: post #75

Earlier quoted context omitted.

Single use cards like privacy.com provides might be the solution you’re looking for

AMEX is what provides that solution, and fine the merchant as a bonus. It's called disputing a charge. Other cards have the option too, but AMEX will fight for you the most. I've literally had merchants issue a partial refund, disputed the original charge, and ended up with bonus money, multiple times. There is a cost to using credit cards. One of the main reasons to use them is this protection against bad actors, an…

[deleted]

Re: Facebook Let Kids Rack Up Charges on Parents' Credit Cards

#133

Post by drilldrive »

tinus_hn wrote: post #123
a12432 wrote: post #115

Earlier quoted context omitted.

AMEX is what provides that solution, and fine the merchant as a bonus. It's called disputing a charge. Other cards have the option too, but AMEX will fight for you the most. I've literally had merchants issue a partial refund, disputed the original charge, and ended up with bonus money, multiple times. There is a cost to using credit cards. One of the main reasons to use them is this protection against bad actors, an…

Reversing the charges doesn’t work with Facebook because they will block your account and for most people that’s not an option. And Americans Express is not going to fine Facebook or suspend their merchant account. That’s for small merchants.

Why do people put their cards on Facebook then? It is absolutely not safe to do, especially if you have (young) children.

Re: Facebook Let Kids Rack Up Charges on Parents' Credit Cards

#134

Post by perfmode »

FiveSquared wrote: post #70
Spooky23 wrote: post #57

Earlier quoted context omitted.

Unlikely. Society shifted and gambling is stigma free. My son is old enough that arcades are interesting to him now. I was pretty shocked to see how they have declined into shitty skinner boxes and games of chance to win tickets. That was always a factor, but is much more prominent today. The casual acceptance of sports betting is another example of that shift. There’s probably some free marketeer who will opine that…

Well sports betting has been around forever, but dark patterns and intentional deception in mobile games leads to children being manipulated. Not consenting adults, CHILDREN. https://humanetech.com/

Fuck the children. It’s a free market. They’re free to spend their time wherever they choose. No one is holding a gun to their heads. Let the market decide. :)

Re: Facebook Let Kids Rack Up Charges on Parents' Credit Cards

#135

Post by mikejb »

dwighttk wrote: post #120

Who is giving Facebook their credit card? Why?

Parent gave the CC to Facebook in order to make one purchase. It isn't always transparent that this payment option is then stored indefinitely, and can be charged on user input without re-evaluating that the charge was initiated by the holder of the CC. This is not necessarily a bad thing, and can be viewed as a convenience-feature. But it has downsides, which Facebook not only seems to be aware of, but seems to welcome.

Re: Facebook Let Kids Rack Up Charges on Parents' Credit Cards

#136

Post by detaro »

TheLuddite wrote: post #54

If my child takes the money that I left on the desk, goes to the shop, buys candies and eats them...can I go to the bank and ask them to give back my crisp bills? Or maybe go to the candy store and whine there?

In many jurisdictions that's not a valid contract, so yes, the store has to reverse it.

Re: Facebook Let Kids Rack Up Charges on Parents' Credit Cards

#137

Post by a12432 »

hyperman1 wrote: post #118
a12432 wrote: post #115

Earlier quoted context omitted.

AMEX is what provides that solution, and fine the merchant as a bonus. It's called disputing a charge. Other cards have the option too, but AMEX will fight for you the most. I've literally had merchants issue a partial refund, disputed the original charge, and ended up with bonus money, multiple times. There is a cost to using credit cards. One of the main reasons to use them is this protection against bad actors, an…

As an European who rarely sees credit cards, I always wonder if this is USA only? How do you dispute a charge? My web banking platform has options for almost everything, but not much credit card related. Do I contact my bank, or do I go straight to VISA?

I click dispute in my online statement, check a couple of checkboxes to verify type of transaction, and write 1 line of why. Takes 30 seconds. Visa is not good for this, so I never use a Visa.

Re: Facebook Let Kids Rack Up Charges on Parents' Credit Cards

#138

Post by a12432 »

tinus_hn wrote: post #123
a12432 wrote: post #115

Earlier quoted context omitted.

AMEX is what provides that solution, and fine the merchant as a bonus. It's called disputing a charge. Other cards have the option too, but AMEX will fight for you the most. I've literally had merchants issue a partial refund, disputed the original charge, and ended up with bonus money, multiple times. There is a cost to using credit cards. One of the main reasons to use them is this protection against bad actors, an…

Reversing the charges doesn’t work with Facebook because they will block your account and for most people that’s not an option. And Americans Express is not going to fine Facebook or suspend their merchant account. That’s for small merchants.

Yeah, a company that stored your credit card number and charged it w/o your permission - don't want to get blocked by someone like that. Definitely never an option for most people.

Re: Facebook Let Kids Rack Up Charges on Parents' Credit Cards

#139

Post by Meekro »

crysin wrote: post #50
wl wrote: post #32

Earlier quoted context omitted.

> Dissatisfied customers who don't find refuge in a refund policy/process It's dangerous to label such things as fraud. Chargebacks are a consumer protection mechanism of last resort as well as a remedy for unauthorized charges. If a merchant doesn't deliver what they promised and doesn't issue the appropriate refund, the merchant is the one engaging in fraud.

Chargebacks are a mechanism that can definitely be abused and in those cases would be fraud. I don't see that as dangerous at all. Heck, in posts on these forums people brag about using chargebacks to cancel services because they didn't want to call or follow the guidelines set by the merchant to cancel an account. Whether they're in the right or not that's most certainly bordering abuse of the system.

Those merchants don't always have clean hands, either. Lots of services where you can sign up with one click, but canceling requires a lengthy phone call during which they pressure you to stay. And the call has to be during business hours, hope your boss doesn't mind!

Imagine how much worse it'd be if the dispute process didn't exist. "Oops, our only cancellation department employee retired last year and we forgot to replace him!"

Re: Facebook Let Kids Rack Up Charges on Parents' Credit Cards

#140

Post by Cu3PO42 »

vezycash wrote: post #106
colejohnson66 wrote: post #75

Earlier quoted context omitted.

Single use cards like privacy.com provides might be the solution you’re looking for

Isn't privacy.com US only?

According to their website you need either a US checking account or debit card, so for all intents and purposes, yes.

If you're in (certain parts of) Europe, Revolut will offer you one-time use virtual debit cards if you're on one of their paid plans. However, I have no personal experience with them. Being limited to one transaction each makes them a lot less interesting in my opinion, since I can't set up my subscriptions through different cards.

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