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> Chase explained to me that the charges can follow the person, not the specific card number. Can anyone explain this? It goes against all I thought I knew abo

> Chase explained to me that the charges can follow the person, not the specific card number. Can anyone explain this? It goes against all I thought I knew about online payments and credit cards.

mbreese 7y ago
This can happen sometimes if you get a new credit card number (but the same account). If you have a reoccurring purchase, like a subscription, the billing was already authorized, so the new charge is automatically applied to the new card number. If you get a completely new account, that can't happen. I'm not sure what happens if you get a new card from the same company (like getting a brand new Chase account). I'd guess it would depend on their backend as to if new charges followed you.
snarf21 7y ago
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.
- imtringued 7y ago
  > It would be nice to have the ability to whitelist and blacklist online vendors. Isn't that basically a direct debit mandate?
cj 7y ago
I believe Visa/MasterCard/etc will send processors like Stripe certain types of updates to card information. See this section in the Stripe docs: https://stripe.com/docs/saving-cards#automatic-card-updates https://stripe.com/docs/saving-cards#automatic-card-updates
rbritton 7y ago
It's a common feature of payment processors to reduce the number of transaction failures due to expired but not updated payment records. Here's Braintree's page on it: https://www.braintreepayments.com/features/account-updater https://www.braintreepayments.com/features/account-updater
lovehashbrowns 7y ago
Other people have told you how this "account update" process works so I'll skip that. I just went through this with Citi/Mastercard. I'm not sure if other companies do this, but I was able to opt out of this "account update" feature to hopefully stop a Comcast charge from going through to my new card number. I'll find out on Dec 10 if it works, but the customer rep I spoke to says it should. It basically cancels that feature so that I now have to manually go through every merchant and update them to my new credit card.

> Chase explained to me that the charges can follow the person, not the specific card number. Can anyone explain this? It goes against all I thought I knew about online payments and credit cards.

mbreese 7y ago

This can happen sometimes if you get a new credit card number (but the same account). If you have a reoccurring purchase, like a subscription, the billing was already authorized, so the new charge is automatically applied to the new card number. If you get a completely new account, that can't happen. I'm not sure what happens if you get a new card from the same company (like getting a brand new Chase account). I'd guess it would depend on their backend as to if new charges followed you.

snarf21 7y ago

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.

imtringued 7y ago
> It would be nice to have the ability to whitelist and blacklist online vendors. Isn't that basically a direct debit mandate?

cj 7y ago

I believe Visa/MasterCard/etc will send processors like Stripe certain types of updates to card information. See this section in the Stripe docs: https://stripe.com/docs/saving-cards#automatic-card-updates https://stripe.com/docs/saving-cards#automatic-card-updates

rbritton 7y ago

It's a common feature of payment processors to reduce the number of transaction failures due to expired but not updated payment records. Here's Braintree's page on it: https://www.braintreepayments.com/features/account-updater https://www.braintreepayments.com/features/account-updater

lovehashbrowns 7y ago

Other people have told you how this "account update" process works so I'll skip that. I just went through this with Citi/Mastercard. I'm not sure if other companies do this, but I was able to opt out of this "account update" feature to hopefully stop a Comcast charge from going through to my new card number. I'll find out on Dec 10 if it works, but the customer rep I spoke to says it should. It basically cancels that feature so that I now have to manually go through every merchant and update them to my new credit card.