[defterGoose]

Don't trust changing your card either. I had a predatory LA Fitness membership. When they made me jump through one too many hoops to cancel, I called up WF and had them issue me a new card (Visa). Well, Visa, in their infinite wisdom, gave my new credit card number to LA Fitness and they kept on charging me for almost two years before I noticed. I don't remember the name of that program at Visa, but I'm sure they and other CC companies continue to do this. Should be illegal.

[dylan604]

Netflix does this as well, and is how I found out about it. They claim that since you didn't cancel the service, it was clearly a lapse in your updating of the new number so they just helped you out. Of course it is in everyone's favor except yours when this happens.

[0x0000000]

It's only not in your favor if you changed your card to cancel Netflix specifically, in which case you should've just logged in and canceled.

[strickjb9]

Don't trust cancelling your card either. I closed my account at Capital One, paid the final balance, and six months later I noticed a steep drop in my credit score. I had a $3 monthly charge that kept recurring even though I had closed my account.

Also, because my account was "closed," I didn't receive any statements notifying me that I was being charged. I only discovered this issue when my credit score dropped by 100 points.

[kbolino]

Closing a credit line penalizes your credit score in general. It's why the standard recommendation is generally to leave the accounts open, forever.

Another thing for the FTC to investigate/stop.

[stavros]

The bank allowing a charge on a closed account is some bullshit.

[thallium205]

You have to report the card is lost or stolen then the new number will not propagate. You likely asked for a replacement card which will propagate the new number through the network.

[rightbyte]

Great tips thanks.

[mh-]

That bank-facing service from Visa is called VAU - Visa Account Updater.

https://developer.visa.com/capabilities/vau

[jb1991]

I am really amazed how people can go years with not knowing what companies are regularly charging them money.

[themagician]

American Express asks you (or at least used to) if you want to allow recurring billing when canceling.