> Well seen that the tech exists, they're not just leaving money on the table by not using it (to update card that just expired) but they're also burning money

> Well seen that the tech exists, they're not just leaving money on the table by not using it (to update card that just expired) but they're also burning money on pointless support, support which wouldn't need to happen in the first place had they updated the month/year of expiration. To lend a bit of insight as someone who works in the payments industry: This functionality is generally not free. If most of your customers come and update their expired cards already - or you offer a service which is so essential to your customers that they generally would freely expend the effort to do so if notified, it doesn't make any sense from a financial standpoint to pay the fees to subscribe to card issuer updates.