Things started getting bad when Visa started giving merchants your new card expiration dates. No longer can you rely on an expired card canceling a service or subscription.
Honestly it’s fucking evil. I had cards expire and thought, awesome, finally done with those subscriptions! Then I noticed I was still getting charged for them on my brand new card.
We’ve let them take our money, manage it for us, and now they’re turning around and saying “don’t worry, you’ll still get everything you need … Just turn over your finances and decisions to us”.
Some of them not so easily, no. I had a subscription where I had to call and get forwarded twice over an hour to get someone who kept asking what they had to do to keep my service, dropping fees and halving my monthly rate for 6 months, etc. They make it really hard to cancel.
But, like, depending on the contract you have, stopping to pay doesn’t absolve you from it. They can just send the cost of the remainder of your term to collections of they want to. So figuring out how to cancel that subscription is kinda worth it. Also, if you want your card provider to stop a certain merchant from getting payments, you can usually do that relatively easily.
Also also, I know that’s not always an option, but I just have almost no subscription I can’t cancel month-to-month (pretty much just phone, Internet, VPS, stuff I need long-term anyway).
And that’s part of why I transferred over to privacy.com for all my online stuff. Every online website/service gets a dedicated card, with set limits and are easily deactivated.
Unfortunately, privacy.com only works in the united states. I’m unaware of any alternatives.
Revolut can create virtual and single-use cards. Some places don’t accept the single ones, but you can just create a new virtual card and deactivate it right away.
apparently currently they allow it, but as lots of bank apps deny operation to degoogled phones, phones with a replaced rom, and rooted phones, it has the risk of losing access to your money when they decide to implement those practices. normal banks have a website and offices where you can manage your finances.
Things started getting bad when Visa started giving merchants your new card expiration dates. No longer can you rely on an expired card canceling a service or subscription.
Agree, but highly recommend checking out Privacy for temp cards.
Honestly it’s fucking evil. I had cards expire and thought, awesome, finally done with those subscriptions! Then I noticed I was still getting charged for them on my brand new card.
We’ve let them take our money, manage it for us, and now they’re turning around and saying “don’t worry, you’ll still get everything you need … Just turn over your finances and decisions to us”.
Fuck this
Can you not just… cancel the subscription?
Some of them not so easily, no. I had a subscription where I had to call and get forwarded twice over an hour to get someone who kept asking what they had to do to keep my service, dropping fees and halving my monthly rate for 6 months, etc. They make it really hard to cancel.
But, like, depending on the contract you have, stopping to pay doesn’t absolve you from it. They can just send the cost of the remainder of your term to collections of they want to. So figuring out how to cancel that subscription is kinda worth it. Also, if you want your card provider to stop a certain merchant from getting payments, you can usually do that relatively easily.
Also also, I know that’s not always an option, but I just have almost no subscription I can’t cancel month-to-month (pretty much just phone, Internet, VPS, stuff I need long-term anyway).
That is becoming less “relatively easy” than it was even a few years ago. The CC companies are adding more steps than there once was.
It is relatively easy for me, but I am with a relatively modern bank in Germany. Am sure it’s worse in the States.
And that’s part of why I transferred over to privacy.com for all my online stuff. Every online website/service gets a dedicated card, with set limits and are easily deactivated.
Unfortunately, privacy.com only works in the united states. I’m unaware of any alternatives.
I did the exact same after. Love that service.
No hidden fees… Because if you try to charge past that limit I set, it gets denied lol
Revolut can create virtual and single-use cards. Some places don’t accept the single ones, but you can just create a new virtual card and deactivate it right away.
only accessible through a mobile app.
apparently currently they allow it, but as lots of bank apps deny operation to degoogled phones, phones with a replaced rom, and rooted phones, it has the risk of losing access to your money when they decide to implement those practices. normal banks have a website and offices where you can manage your finances.
Just call in and say your card was stolen. They’ll send you a new card with a different number. And auto payments on the card will all stop.
Not necessarily. Some companies with auto payments set have agreements with card companies and they roll with the change.
I feel like it really started getting bad when Visa started canceling any payment processed via “illicit” (porn) means