4 ms·

It sounds as if you are not worried that they would sue you? What are the reasons you feel safe? (Then maybe I could try this me too)

Hamuko 6y ago
Why would a company sue a consumer because of a cancelled credit card?
- Androider 6y ago
  A cancelled credit card does not mean bills are automatically void or the recurring subscription cancelled, but it's a scale whether it's worth it for the company to try to collect or not. If your rent autobill fails, I think everyone realizes it doesn't mean you don't have to pay. If the credit card for your gym membership expires, I think most people would likewise fear (and has been known to happen) that your bill would eventually be sent to collections. A $5/mo subscription? Not worth the time of the company to try to collect. A Salesforce or Adobe subscription on a card? I certainly wouldn't gamble on that, and would try to properly cancel the subscription.
  - Hamuko 6y ago
    Netflix, like many subscription services, charges you for services ahead of time. If you don't pay, you don't get the service. It's that simple.
    - Sebguer 6y ago
      Almost every major business cloud provider? Agree with you that something like Netflix is entirely safe, but AWS as a major example has an entirely post-paid model.
      - reificator 6y ago
        > Almost every major business cloud provider? Agree with you that something like Netflix is entirely safe, but AWS as a major example has an entirely post-paid model. That's not a subscription, that's metered billing, where you are billed for what you have already used.
  - deleted 6y ago
    [deleted]
  - reificator 6y ago
    > A cancelled credit card does not mean bills are automatically void or the recurring subscription cancelled, but it's a scale whether it's worth it for the company to try to collect or not. Excuse me? If the bill is prepaid you bet your ass it means the subscription is cancelled. You can't pay, they don't continue to provide the service, end of story. > If your rent autobill fails, I think everyone realizes it doesn't mean you don't have to pay. The difference is that rent is paid after the fact and is typically part of a lease contract. What contract are you signing to get Netflix? > A $5/mo subscription? Not worth the time of the company to try to collect. Who's out here providing $5/month post-paid subscriptions? I have literally never heard of such a thing. Metered billing is a different story, but the discussion is lawsuits over Netflix subscriptions.
    - KajMagnus 6y ago
      > the discussion is lawsuits over Netflix subscriptions Actually when I asked, I had in mind subscriptions in general, not Netflix in particular
  - deleted 6y ago
    [deleted]
reificator 6y ago
> It sounds as if you are not worried that they would sue you? Netflix subscriptions are prepaid. What on earth would give them the idea to sue if your card is declined? If your current month runs out and your renewal is declined, they just don't authorize you for a second month of service. There's no breach of contract, there's no debt for services rendered, I can't think of a single motivation to sue for this. What am I missing here?
- amelius 6y ago
  They could leave your account open, wait 10 years, then sue you for not paying your bills.
  - reificator 6y ago
    They could do that, yes. They could also open an account automatically in your name and then sue you over it. I expect both would be equally successful.
    - amelius 6y ago
      The former could be a natural consequence of neglect + shareholders asking why the cash influx is too low considering the number of actual subscribers. The latter would be fraud.
  - perl4ever 6y ago
    Many if not most agreements these days seem to specify charging up front and reserve the right to cancel your service for any reason, so credit doesn't enter into it. I don't know about Netflix specifically. What seems more likely is that they would blacklist you if you're obnoxious.
- zepearl 6y ago
  The post was probably referring to companies/subscriptions in general. The "contract" is separate from the method & frequency of the payments => even if you stop paying you still own them the old&new amount(s) as long as the contract hasn't been cancelled/terminated.
Jare 6y ago
Years ago, my CC expired with an active Xbox Live sub attached (I moved overseas). Microsoft flagged my account as bad in some way, and years later when I moved back and tried to resub they didn't let me. Their loss, as I never spent another $ on Xbox after having purchased over 30 360 titles and been a Live subscriber since day 1.

Hamuko 6y ago

Why would a company sue a consumer because of a cancelled credit card?

Androider 6y ago
A cancelled credit card does not mean bills are automatically void or the recurring subscription cancelled, but it's a scale whether it's worth it for the company to try to collect or not. If your rent autobill fails, I think everyone realizes it doesn't mean you don't have to pay. If the credit card for your gym membership expires, I think most people would likewise fear (and has been known to happen) that your bill would eventually be sent to collections. A $5/mo subscription? Not worth the time of the company to try to collect. A Salesforce or Adobe subscription on a card? I certainly wouldn't gamble on that, and would try to properly cancel the subscription.
- Hamuko 6y ago
  Netflix, like many subscription services, charges you for services ahead of time. If you don't pay, you don't get the service. It's that simple.
  - Sebguer 6y ago
    Almost every major business cloud provider? Agree with you that something like Netflix is entirely safe, but AWS as a major example has an entirely post-paid model.
    - reificator 6y ago
      > Almost every major business cloud provider? Agree with you that something like Netflix is entirely safe, but AWS as a major example has an entirely post-paid model. That's not a subscription, that's metered billing, where you are billed for what you have already used.
- deleted 6y ago
  [deleted]
- reificator 6y ago
  > A cancelled credit card does not mean bills are automatically void or the recurring subscription cancelled, but it's a scale whether it's worth it for the company to try to collect or not. Excuse me? If the bill is prepaid you bet your ass it means the subscription is cancelled. You can't pay, they don't continue to provide the service, end of story. > If your rent autobill fails, I think everyone realizes it doesn't mean you don't have to pay. The difference is that rent is paid after the fact and is typically part of a lease contract. What contract are you signing to get Netflix? > A $5/mo subscription? Not worth the time of the company to try to collect. Who's out here providing $5/month post-paid subscriptions? I have literally never heard of such a thing. Metered billing is a different story, but the discussion is lawsuits over Netflix subscriptions.
  - KajMagnus 6y ago
    > the discussion is lawsuits over Netflix subscriptions Actually when I asked, I had in mind subscriptions in general, not Netflix in particular
- deleted 6y ago
  [deleted]

reificator 6y ago

> It sounds as if you are not worried that they would sue you? Netflix subscriptions are prepaid. What on earth would give them the idea to sue if your card is declined? If your current month runs out and your renewal is declined, they just don't authorize you for a second month of service. There's no breach of contract, there's no debt for services rendered, I can't think of a single motivation to sue for this. What am I missing here?

amelius 6y ago
They could leave your account open, wait 10 years, then sue you for not paying your bills.
- reificator 6y ago
  They could do that, yes. They could also open an account automatically in your name and then sue you over it. I expect both would be equally successful.
  - amelius 6y ago
    The former could be a natural consequence of neglect + shareholders asking why the cash influx is too low considering the number of actual subscribers. The latter would be fraud.
- perl4ever 6y ago
  Many if not most agreements these days seem to specify charging up front and reserve the right to cancel your service for any reason, so credit doesn't enter into it. I don't know about Netflix specifically. What seems more likely is that they would blacklist you if you're obnoxious.
zepearl 6y ago
The post was probably referring to companies/subscriptions in general. The "contract" is separate from the method & frequency of the payments => even if you stop paying you still own them the old&new amount(s) as long as the contract hasn't been cancelled/terminated.

Jare 6y ago

Years ago, my CC expired with an active Xbox Live sub attached (I moved overseas). Microsoft flagged my account as bad in some way, and years later when I moved back and tried to resub they didn't let me. Their loss, as I never spent another $ on Xbox after having purchased over 30 360 titles and been a Live subscriber since day 1.