I'm surprised at the number of people here who aren't reading or otherwise paying attention to anything related to credit cards. This isn't some new thing, and it's well known. I can only imagine the people posting here are dealing with credit cards for the first time. Listen, this is your credit, take some responsibility and spend some time to understand what you are signing up for and agreeing to. These aren't hidden features and they exist for a reason: convenience.
Merchants can keep charging your card even if it's cancelled/expired
41–50 of 58 posts
Re: Merchants can keep charging your card even if it's cancelled/expired
#42I'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. "I did. They are continuing to make fraudulent charges."
Why do people always jump immediately to lying?
The bank can't require you to do this. Just say you won't. Say you might do that but if you hang up without resolution your next call is to the police for identity theft (as someone else suggested).
But if you want to make a habit of lying to bank employees that's going to end up biting you in the ass sooner or later.
Re: Merchants can keep charging your card even if it's cancelled/expired
#43I love this - I have my internet, mobile, Amazon prime, Netflix. etc. setup via CC and this really helps. Saves a lot of time.
I see that HN readership do not like this but I think this is common for young adults. The point is that after some point in their life one will get more organized and more disciplined (like one will not be signing up for random services using company email address - yea I did that as young adult. Terrible idea.).
Also as one gets older one will learn that just canceling the credit card or disputing charges might get bills reported to collection.
Re: Merchants can keep charging your card even if it's cancelled/expired
#44What if you no longer have an account at the issuing bank and the cards were cancelled. How would this even work given there is no business relationship anymore?
It only works if you have an active account with the issuer. It's simply a convenience feature for subscriptions to go to the new card since it would be rather annoying to have to go through 20 different subscriptions to add the new card.
I actually viewed this annoyance as a feature. Wait for the Dunning email and either log in to update or do nothing.
Re: Merchants can keep charging your card even if it's cancelled/expired
#45I typically use a test visa number to replace/remove my cc and it’s crazy how often this works. Aka no check that it’s a test cards
Re: Merchants can keep charging your card even if it's cancelled/expired
#46Earlier quoted context omitted.
It only works if you have an active account with the issuer. It's simply a convenience feature for subscriptions to go to the new card since it would be rather annoying to have to go through 20 different subscriptions to add the new card.
I actually viewed this annoyance as a feature. Wait for the Dunning email and either log in to update or do nothing.
That's fine. Most people don't want to have to re-enter their new credit card everywhere, so you can always call your issuer and ask them to issue a new card, but stop all subscription charges.
Re: Merchants can keep charging your card even if it's cancelled/expired
#47Context: I filter nearly all purchases I make through my credit card. This card is in place as a proxy to frontload transactions through as well as it helps me budget in a net sense. tldr: I don't need to microscrutinize my budget because if my monthly budget approaches certain thresholds then I know something is wrong, given all purchases go through this singular budgetory mechanism.
Someone got hold of my card and started a series of multi-thousand dollar transactions on Amazon.com. I noticed this almost immediately because of the above and mint.com -- which provides category-based budget alerts. I contacted my credit card vendor and told them these were not my purchases and they immediately cancelled the card. I was given an interesting tidbit of information: "Despite the card being cancelled you can still use it. We will roll transactions to your new card over the next x days, and those transactions will be scrutinized to ensure you are no longer experiencing fraud from other sources. Amazon.com, however, cannot be purchased from at all until you have a new card."
In this way, I wasn't fucked from buying groceries, but I could tell the definition of "cancelled" was much different from what I thought it was.
Re: Merchants can keep charging your card even if it's cancelled/expired
#48I'm surprised at the number of people here who aren't reading or otherwise paying attention to anything related to credit cards. This isn't some new thing, and it's well known. I can only imagine the people posting here are dealing with credit cards for the first time. Listen, this is your credit, take some responsibility and spend some time to understand what you are signing up for and agreeing to. These aren't hidd…
Right. I'm always checking statements to see if there is anything fishy. If I don't know what it's for, I probably don't need it and should investigate further. There are even features to notify you when pending charges post just to follow up on anything weird going on.
Re: Merchants can keep charging your card even if it's cancelled/expired
#49I'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…
I used my credit card a few times and got burned, there is no way I give my number directly to anyone now. Especially Google was running my ads for a week after cancelling and I ended up paying almost $2000 more than I had planned (yes, this is in their ToS). Paypal is a decent intermediary that makes it easy to cancel any subscription effortlessly. Your startup doesn't offer Paypal subscriptions? Too bad for you, I won't use your service. It is completely unacceptable to shift the burden of dealing with this crap to the customer. This kind of hostile behavior shouldn't be tolerated even in the 90s when you were trying to cancel your NYT subscription, and there is no place for it now. In order to convince me to buy your service, you need to attract me with good conditions. "Free trial, credit card required" is not one of them. I don't care that much about free trial, what I want is to be able to cancel my subscription without your kind permission to do so.
Re: Merchants can keep charging your card even if it's cancelled/expired
#50This title breaks the site guidelines ( https://news.ycombinator.com/newsguidelines.html ), which ask: " Please use the original title, unless it is misleading or linkbait; don't editorialize. " Cherry-picking a detail, especially a sensational detail, and making that the title is the main way that people break this guideline, so please don't do that. If you want to say what you think is important about an article, t…