←back to thread

573 points gausswho | 2 comments | | HN request time: 0.479s | source
Show context
Irongirl1 ◴[] No.44506284[source]
FYI: Everyone just use privacy.com

It allows you to make virtual cards that are single use.

So if a merchant keeps trying to charge you, it will automatically decline.

Until the powers that be gets its act together and stops allowing businesses to run all over us...this is the way.

replies(7): >>44507368 #>>44507509 #>>44507588 #>>44507745 #>>44508045 #>>44508320 #>>44509445 #
Shank ◴[] No.44507588[source]
> So if a merchant keeps trying to charge you, it will automatically decline.

I learned this the hard way with the New York Times doing this, but merchants can “force settle” a transaction if they want and it’ll override the decline they get. This is a violation of the merchant agreement but companies do it anyway (like NYT did to me). Privacy isn’t as bullet-proof as you would think.

replies(2): >>44508730 #>>44508742 #
1. DaSHacka ◴[] No.44508730[source]
How could it override the decline if you cancel the card entirely in Privacy?
replies(1): >>44510907 #
2. jabroni_salad ◴[] No.44510907[source]
It's an authorized recurring charge. Disabling the card only really works for sure on new charges. The only 'real' way to deauthorize it is to convince the merchant to do it for you. Every other method is just creating enough friction that you hope it will be too expensive for the merchant to fight back.