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VISA sent Netflix my new card details. I thought since my card was new and they didn't have the numbers and happened to lose my job at the same time thought I w

by 14 8y ago

VISA sent Netflix my new card details. I thought since my card was new and they didn't have the numbers and happened to lose my job at the same time thought I was safe and was just going to quit Netflix. Instead visa sends them the new numbers so I don't have a "disruption of service". Not cool visa.

usaphp 8y ago
Well for me it was the opposite, I had a lot of services attached to the same card and when I got a new card it was such a nice feeling that I did not have to go through the trouble of updating each of them with new card information.
- modeless 8y ago
  When I got a new card they "helpfully" sent the new number to Redbox, who then charged me a late fee when the thieves who originally skimmed my card didn't return the movie they "rented".
- hombre_fatal 8y ago
  It's UX failure. PayPal and Apple's Store show me a list of all services that are authorized to pull money from my account. CCs don't. You may have to do a nontrivial amount of research (or at least worrying) to ensure that everything is accounted for by the next charge cycle if you were to switch CC numbers without charge forwarding. If CCs did have a paradigm of services authorized to re-bill you, then we wouldn't have people changing CC numbers to "reset" their re-bills nor to avoid future pulls from their account. But since CCs offer a UX clusterfuck, people will often find the need to clean the slate.
Silhouette 8y ago
This is absolutely routine in the card payments industry and has been for a long time. People don't like having legitimate recurring charges disrupted just because their card provider mails them some new plastic every few years. If you want to cancel a service, cancel it with the service provider. Do not rely on anything to do with any payment method that you happen to believe might cancel it. Those mechanisms are for exceptional situations like an abusive merchant who has made it unreasonably difficult to cancel through the proper channels, not for your convenience in avoiding payments you've agreed to make.
- 14 8y ago
  I am aware it is routine now but at the time it happened I was under a lot of stress, was a lot younger and had never experienced it so it could not have happened at a worse time. I posted about this before and the card had actually expired like 2 months before and Netflix threatened to cut off service and actually did. So after weeks of no Netflix and I had lost my job and had a few dollars to my name out comes a Netflix payment from the last of my food money. I properly closed my account and have felt a little jaded since. Also to follow up I am in a good job since and things are a lot better. But I don't forget the day I realized I had nothing to eat but was able to watch "Friends" reruns lol.
- nmca 8y ago
  The incentives for the service provider are bad, the incentives for the payment provider are not. Thus cancellation should be handled through the payment provider.
  - cm2187 8y ago
    But cancelling the payment doesn't mean you cancelled the subscription. You might still owe the money. Unlikely some company will go to court for $20. But for larger amounts it's not impossible.
    - 14 8y ago
      And I guess now with MasterCard signing up for a trial does not mean I entered a subscription. And for the record I did not owe netflix anything as they bill first
      - Silhouette 8y ago
        Your guess is wrong. When you sign up for something, your agreement with the provider will be governed by the contract you make with them. MasterCard are not a legislative or judicial body, and we should be very wary of allowing organisations like that with monopoly/oligopoly control of such a fundamental aspect of the market to exercise quasi-judicial powers.
tylerhou 8y ago
Ideally you should have both features. What if you auto-paid bills with your card?
- brewdad 8y ago
  I nearly had my car insurance cancelled after the card I bill it to every 6 months was compromised and reissued. One day, a notice of cancellation appeared in my mailbox. I simply forgot about updating the card with them when I went through my list of merchants. Fortunately, a phone call fixed everything and I didn't end up with a lapse in coverage. An automatic update of my info would have saved me a quite a bit of anxiety.
kojeovo 8y ago
Assuming you weren't on a trial, that's actually pretty useful. They should ask though.
pryce 8y ago
I had the opposite experience with Uber just recently - my card expired, and I tried to enter the new card (same number, different verification code and different expiry) and the Uber site rejected it complaining that the card had expired. I tried mobile app, desktop website, couldn't find any way around it. The site wouldn't let me delete the old expired card either. I found I actually had to track down a third credit card from someone else, add that, delete the old one, add the second one, and then delete the third one. For some startup I might expect that, but it's surprising to have to manage my billing this way for one of the most prominent apps on the planet.
- buzer 8y ago
  I just checked the Android app, there was an option to edit the credit card (Payment, click card, top-right menu, edit. Delete is in same place). That seems to allow changing expiry date, CVV and country.
baddox 8y ago
I’ve found that cancelled (because you’re issued a new one) or expired cards will tend to keep working at online merchants where the card was saved, even though they presumably won’t work at point-of-sale cardreaders.
jchw 8y ago
Depends on the payment provider and card network but actually it's fairly common nowadays. Stripe has had this for a while. https://stripe.com/blog/smarter-saved-cards https://stripe.com/blog/smarter-saved-cards

by 14 8y ago

usaphp 8y ago

Well for me it was the opposite, I had a lot of services attached to the same card and when I got a new card it was such a nice feeling that I did not have to go through the trouble of updating each of them with new card information.

modeless 8y ago
When I got a new card they "helpfully" sent the new number to Redbox, who then charged me a late fee when the thieves who originally skimmed my card didn't return the movie they "rented".
hombre_fatal 8y ago
It's UX failure. PayPal and Apple's Store show me a list of all services that are authorized to pull money from my account. CCs don't. You may have to do a nontrivial amount of research (or at least worrying) to ensure that everything is accounted for by the next charge cycle if you were to switch CC numbers without charge forwarding. If CCs did have a paradigm of services authorized to re-bill you, then we wouldn't have people changing CC numbers to "reset" their re-bills nor to avoid future pulls from their account. But since CCs offer a UX clusterfuck, people will often find the need to clean the slate.

Silhouette 8y ago

This is absolutely routine in the card payments industry and has been for a long time. People don't like having legitimate recurring charges disrupted just because their card provider mails them some new plastic every few years. If you want to cancel a service, cancel it with the service provider. Do not rely on anything to do with any payment method that you happen to believe might cancel it. Those mechanisms are for exceptional situations like an abusive merchant who has made it unreasonably difficult to cancel through the proper channels, not for your convenience in avoiding payments you've agreed to make.

14 8y ago
I am aware it is routine now but at the time it happened I was under a lot of stress, was a lot younger and had never experienced it so it could not have happened at a worse time. I posted about this before and the card had actually expired like 2 months before and Netflix threatened to cut off service and actually did. So after weeks of no Netflix and I had lost my job and had a few dollars to my name out comes a Netflix payment from the last of my food money. I properly closed my account and have felt a little jaded since. Also to follow up I am in a good job since and things are a lot better. But I don't forget the day I realized I had nothing to eat but was able to watch "Friends" reruns lol.
nmca 8y ago
The incentives for the service provider are bad, the incentives for the payment provider are not. Thus cancellation should be handled through the payment provider.
- cm2187 8y ago
  But cancelling the payment doesn't mean you cancelled the subscription. You might still owe the money. Unlikely some company will go to court for $20. But for larger amounts it's not impossible.
  - 14 8y ago
    And I guess now with MasterCard signing up for a trial does not mean I entered a subscription. And for the record I did not owe netflix anything as they bill first
    - Silhouette 8y ago
      Your guess is wrong. When you sign up for something, your agreement with the provider will be governed by the contract you make with them. MasterCard are not a legislative or judicial body, and we should be very wary of allowing organisations like that with monopoly/oligopoly control of such a fundamental aspect of the market to exercise quasi-judicial powers.

tylerhou 8y ago

Ideally you should have both features. What if you auto-paid bills with your card?

brewdad 8y ago
I nearly had my car insurance cancelled after the card I bill it to every 6 months was compromised and reissued. One day, a notice of cancellation appeared in my mailbox. I simply forgot about updating the card with them when I went through my list of merchants. Fortunately, a phone call fixed everything and I didn't end up with a lapse in coverage. An automatic update of my info would have saved me a quite a bit of anxiety.

kojeovo 8y ago

Assuming you weren't on a trial, that's actually pretty useful. They should ask though.

pryce 8y ago

I had the opposite experience with Uber just recently - my card expired, and I tried to enter the new card (same number, different verification code and different expiry) and the Uber site rejected it complaining that the card had expired. I tried mobile app, desktop website, couldn't find any way around it. The site wouldn't let me delete the old expired card either. I found I actually had to track down a third credit card from someone else, add that, delete the old one, add the second one, and then delete the third one. For some startup I might expect that, but it's surprising to have to manage my billing this way for one of the most prominent apps on the planet.

buzer 8y ago
I just checked the Android app, there was an option to edit the credit card (Payment, click card, top-right menu, edit. Delete is in same place). That seems to allow changing expiry date, CVV and country.

baddox 8y ago

I’ve found that cancelled (because you’re issued a new one) or expired cards will tend to keep working at online merchants where the card was saved, even though they presumably won’t work at point-of-sale cardreaders.

jchw 8y ago

Depends on the payment provider and card network but actually it's fairly common nowadays. Stripe has had this for a while. https://stripe.com/blog/smarter-saved-cards https://stripe.com/blog/smarter-saved-cards