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Rushie

Rushie

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Rushie
I got an email from Apple that my billing information was updated at 10:22 today. I did no such thing. Naturally I suspect it's phishing, but I don't think it is. There is no link to click on, the source addresses seem to be legit, it addressed me by my real name. I do believe it's actually from Apple.

The credit card I have on file with them did expire this month. I got a new card with a new expiration date but have not gone into AppleID to make this change. So my question for you guys is, do banks and merchants communicate to update your card expiration info? If Apple gets my updated expiration info automatically, that would explain a "billing information" change.

Other than that, my Googling around only led me to this nightmare:

http://tidbits.com/article/12977
 
I didn't click on the link but I've never had any expiration date get automatically updated anywhere that I can recall. 'updated' could mean "the card we have on file with expiration date of X just met date X, therefore do not accept" or something like that.
 
I have had Apple automatically update my new expiration date in Apple Pay, but I don't recall whether or not they sent me notification of that.
 
eman1200 said:
I didn't click on the link but I've never had any expiration date get automatically updated anywhere that I can recall. 'updated' could mean "the card we have on file with expiration date of X just met date X, therefore do not accept" or something like that.
Click to expand...

I hadn't thought of that, only I always assumed if the expiration was 09/17 then it would work until the last day of the month. Unless, when I activated the new one, the old one got canned, only that again brings up the question of the credit card company notifying Apple that my card was no longer valid.
 
I always get notified by some method that my CC is/has expired. Not sure but I think I was proactive w/ Apple and updated it my account with the new CC info before it expired.
 
Everskyward said:
I have had Apple automatically update my new expiration date in Apple Pay, but I don't recall whether or not they sent me notification of that.
Click to expand...

That's got to be it. I changed the password just in case my account had been compromised, and now I just got an identical message from them telling me that I changed my password. So I'm completely sure the email is legit. Two days ago I bought some songs from iTunes. I bet the purchase triggered some sort of update with the credit card powers that be.

The whole thing is just creepy. Why couldn't they say "We updated your card info for you" instead of "a change has been made, if you didn't do this, be scared!"
 
Rushie said:
So my question for you guys is, do banks and merchants communicate to update your card expiration info?
Click to expand...
No... banks do not communicate to merchants if your credit card is expired. You as a client personally have to let the merchant know. In my case I will send an e-mail to a client several days before their billing period asking them to update their billing information if I can't ding their credit card. If they don't respond, then I'll automatically bump the expiration date up a year at a time until it goes through. Apple probably did the same if you personally didn't go into your account and update any information.
 
azblackbird said:
No... banks do not communicate to merchants if your credit card is expired. You as a client personally have to let the merchant know. In my case I will send an e-mail to a client several days before their billing period asking them to update their billing information if I can't ding their credit card. If they don't respond, then I'll automatically bump the expiration date up a year at a time until it goes through. Apple probably did the same if you personally didn't go into your account and update any information.
Click to expand...

Oh so that's how they do it. I was wondering how they could update without your permission. What about the 3 digit security code though?
 
azblackbird said:
No... banks do not communicate to merchants if your credit card is expired. You as a client personally have to let the merchant know. In my case I will send an e-mail to a client several days before their billing period asking them to update their billing information if I can't ding their credit card. If they don't respond, then I'll automatically bump the expiration date up a year at a time until it goes through. Apple probably did the same if you personally didn't go into your account and update any information.
Click to expand...
That is against against every card brand compliance rules, and very probably you could be charged with fraud. At the very least, your customers can dispute the charges you bill them and they WILL prevail.
 
Rushie said:
Oh so that's how they do it. I was wondering how they could update without your permission. What about the 3 digit security code though?
Click to expand...
What he describes is not Legitimate and no legitimate business would do it. It is fraud.

There is a process that the card brands (visa ,MasterCard , etc) provide to merchants that they can use to legitimately get updates to your account. Not only expiration date, but even card number if yours is stolen and shut off, etc. You can ask your issuing bank to not provide these updates.

The cvv (3 digit code) is not allowed to be stored or transmitted, so it cannot be updated.

I have 20+ years experience in this specific field and currently work for the largest credit card acquirer in the US.
 
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Rushie said:
Oh so that's how they do it. I was wondering how they could update without your permission. What about the 3 digit security code though?
Click to expand...
CC number and expiration date is all that matters to process a card. The CCV and AVS codes are optional.
 
Salty said:
There is a process that the card brands (visa ,MasterCard , etc) provide to merchants that they can use to legitimately get updates to your account.
Click to expand...
Sounds like you're an expert on these matters. Enlighten me on these processes.
 
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