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US Court nullifies FTC requirement for click-to-cancel

(arstechnica.com)
575 points gausswho | 4 comments | 08 Jul 25 22:42 UTC | HN request time: 0s | source
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postalrat ◴[09 Jul 25 04:10 UTC] No.44506272[source]▶
I should be able to go into my bank or card service online. View a list of all my subscriptions. Click on a subscription (or select all). And cancel.

If there is a card that offers this let me know because I'll be switching immediately.

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1. missedthecue ◴[09 Jul 25 04:22 UTC] No.44506328[source]▶
I had a recurring charge on my Capital One credit card and canceled it from my Capital One app. The next month, the charge went through again and they proactively gave me an account credit equal to the charged amount, with an emailed apology. I'm not sure why they couldn't cancel it, or if it will go through again this month, but it surprised me!
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2. nico ◴[09 Jul 25 04:37 UTC] No.44506392[source]▶
I had a subscription with an account that I couldn’t access anymore, and there wasn’t any other way to cancel

So I contested the charge through the bank. They would refund me, but then the company would charge me again for the subscription

This went on for several months. At some point the card expired, the bank automatically sent me a new card, and somehow the company was still able to charge the subscription to my new card, even though I couldn’t even access my account

It was a couple of years ago, and I don’t remember how I finally stopped it. But it was kinda shocking to me to see the charges “jump” through different cards. Especially given that usually any service that I don’t want cancelled, gets immediately cancelled if my card on file expires

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3. __david__ ◴[09 Jul 25 05:26 UTC] No.44506578[source]▶
Credit cards explicitly do a type of forwarding so that your old subscriptions continue to work if you get a new card. If you ever tell your bank that you've lost your card or had it stolen then they will reissue it differently without that "forward" feature, to prevent fraudulent activity. I learned this when I had fraudulent activity on my card and they accidentally did a normal reissue, and so the fraudulent activity continued even after I got the new card.
4. pimterry ◴[09 Jul 25 10:55 UTC] No.44508439[source]▶
The company doesn't actually keep your card details at all (at least, all reputable companies). They take the details to the payment processor at first purchase, but they then get swapped for a token which can be used to process transactions (usable only for transactions to you by this one vendor, so tokens can't be stolen/leaked, unlike card details) and then future transactions all just use the token.

When your card details change, all issued tokens generally stay valid, they're effectively independent. A payment card is basically an initial authentication process for the account, it's not really the payment method.