It works like this. Chase is trying to be helpful so let's say you set up your utility bill to go through their credit card. Now, you get a new card with Chase

It works like this. Chase is trying to be helpful so let's say you set up your utility bill to go through their credit card. Now, you get a new card with Chase because you lost it. Chase can see that the old number and new number are both attached to your account history and the charge from the utility company has the same utility account number so they happily approve it for you so you don't have to change your utility billing. It isn't such an awful feature except in this case where you want it stopped. This is one argument for not using credit cards for recurring online bills and ACH instead. Most people love the rewards though. We need better online payments options that prevent these scams. It would be nice to have the ability to whitelist and blacklist online vendors.