One of my credit cards expired recently. I got a new one in the mail. With a new expiration date on it. I called the number provided and got it activated. All set. All done. Well not exactly.
I used this
card for two accounts to pay monthly fees. Neither were very large one
was a little over $30 and the other was $10 well actually $9.95. But
they handled the expired card in two very different ways.
off I have to admit I did not remember that these two companies were on
that card. I have a couple of credit cards and there are a couple of
things on each. I just didn’t remember what companies were on what
cards. I’ve also never had this type of a problem come up with a card
Here’s the response from the first company. They sent an
e-mail to me saying that they tried to charge my card but were unable.
They added that was because the card had expired. They said the account
was suspended until I updated the expiration date of the car. They asked
for me to update the account in the next 48 hours. After that time the
account could be closed. They didn’t definitively say it would be closed
only that it might be. The only thing was I didn’t notice it until
after the 48 hour time limit.
The way I found out the account
was suspended was I went to their site to check on something not related
to my payment method. That’s when I noticed that the account was
suspended. I went into my information and updated the expiration date
and the security code. I got a response that said they would try and
process the card in the next 24 hours. If everything went through then
of course everything would be fine. If not the account would be
suspended until they received a valid credit card number.
Very straight forward on the way to update the card. No problems. The account is up and running.
the response of the other company. My account is cancelled. That’s
right cancelled. I tried to sign on to the site and couldn’t get in.
There was a customer service number to call. I identified my credit card
number and was told the account was cancelled. I was told that if there
is any sort of problem with the card the account is cancelled. I was
told I could go back and subscribe to the site again. I said I had a
promotional rate which was the reason I joined. I asked if I would get
that rate. She said probably not but I should see. Or I said I can
simply not do busy with the company any more. I thanked her for her time
and then hung up.
Talk about polar opposite ways to deal with
the situation. What a great way for the first place to deal with the
situation. Put the account on hold and allow a certain amount of time
for the account to be updated. The second response makes no sense at
all. It is just stupid. I cannot be the only person that has a card
expire and not know all the places the card is used. Just one less place
for me to go and spend money. Their loss over an extremely stupid