You may remember that last week I found out that Microsoft were still charging me for my Xbox Live Gold subscription, even though I cancelled the debit card they were using back in November, at the behest of my bank. I stopped by a branch the morning after writing my previous post and spoke to a “Personal Banker”. She told me that customers have been known to sign up for goods or services and then cancel their cards in order to avoid the charges. She then claimed that Barclays sometimes roll over the charges to the replacement card in order to prevent customer fraud of this sort.
I asked if it was a certain type of charge that would be rolled over. This would explain why my web hosting companies had sent me invoicing emails when their charges to my old card were rejected. She said that that information was confidential to prevent people gaming the system.
Personal Banker then got rather shirty and started interrupting me with phrases like “Well, there’s no official policy” when I tried to repeat this back to her for confirmation, so I called the telephone banking team to verify her given reason. According to Barclays Debit Card Services, companies can set up charges based on the first 12 digits of your card number, ensuring that they still get their payments when you change cards. Debit Card Services Woman said that this is what Microsoft would have done, whereas my hosting companies would have been charging the entire 16-digit card number.
Make of that what you will.
One Comment