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Merchants can keep charging your card even if it's cancelled/expired

developer.visa.com

21–30 of 58 posts

Re: Merchants can keep charging your card even if it's cancelled/expired

#21
post #6

Earlier quoted context omitted.

What bank is this? I'm using Privacy.com to do this with debit cards, but I've never heard of anything that lets you do it for ACH.

I searched google for the word pocket, and One came up https://www.onefinance.com/features/

Yup, OneFinance is awesome. A true replacement for Simple Bank

Re: Merchants can keep charging your card even if it's cancelled/expired

#22

I've been told this by credit card customer support. In several instances over the last 3-4 years I've disputed charges from companies I have no relationship with, and as part of the dispute process been told I need to reach out to these companies to prevent future recurring charges. Calling a company I've never heard of to try to get them to stop charging me sounds likely to lead to further problems rather than reso…

> told I need to reach out to these companies to prevent future recurring charges

This is a request by the bank. If they keep letting through fraudulent charges, they can keep paying for them.

Re: Merchants can keep charging your card even if it's cancelled/expired

#24
post #5

I've been told this by credit card customer support. In several instances over the last 3-4 years I've disputed charges from companies I have no relationship with, and as part of the dispute process been told I need to reach out to these companies to prevent future recurring charges. Calling a company I've never heard of to try to get them to stop charging me sounds likely to lead to further problems rather than reso…

How did you find a bank that gives you that level of control?

OneFinancial

Re: Merchants can keep charging your card even if it's cancelled/expired

#26
This is not Visa-specific. All major issuers support the same or similar features:

Amex:https://www.americanexpress.com/us/merchant/cardrefresher.ht...

Mastercard: https://www.mastercard.us/content/dam/public/mastercardcom/n...

Discover: https://www.discoverglobalnetwork.com/content/dam/discover/e...

Re: Merchants can keep charging your card even if it's cancelled/expired

#27

I've been told this by credit card customer support. In several instances over the last 3-4 years I've disputed charges from companies I have no relationship with, and as part of the dispute process been told I need to reach out to these companies to prevent future recurring charges. Calling a company I've never heard of to try to get them to stop charging me sounds likely to lead to further problems rather than reso…

If my bank told me something like that, I would go call the police next.

Maybe banks have some extra rights on your country, but that is actively collaborating with fraud.

Re: Merchants can keep charging your card even if it's cancelled/expired

#29
I've found this more useful than harmful -- like, if I had to get a new Amex because of someone's data leak, I didn't have to go through and update literally EVERY SINGLE AUTOBILL bc Amex was smart enough to let (e.g.) my cell bill or my cable bill continue to process on the old number while blocking new charges on it.

But it still sucks that it's difficult to block charges like this from the consumer/credit-card side. I see references to OneFinancial in the thread here, and I'll definitely look into that.

Re: Merchants can keep charging your card even if it's cancelled/expired

#30
post #12

I learned this the hard way once when I tried to get rid of a $5 subscription I didn't understand with Discover. I naively figured I would just request a new card and that would be that... Nope, it's like a direct debit or something, they are linked to the actual account, despite being setup through the card. Totally broke my head to the point I actually talked myself into closing my account, which was another mistak…

>I learned this the hard way once when I tried to get rid of a $5 subscription I didn't understand with Discover. I naively figured I would just request a new card and that would be that That's a bad idea anyways. Just because your credit card was declined doesn't mean you're off the hook. Most businesses are reasonable and won't chase you further, but some persistent ones (eg. gyms) are known to continue your subscr…

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