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Toward a hygienic credit card

You’ve probably heard the advice to photocopy your wallet’s contents; in the event that you lose your wallet, this makes it easy to know what you need to cancel and replace. Smart.

I recently received a new credit card and had forgotten what a hassle it is to change the info across all my various online accounts. Here’s a few suggestions based on things I did this time around that should make it easier (or at least more interesting) the next time this happens.

Write it down now

Create an OmniOutliner (or text or Excel or Google Docs) document, and capture the name of every account, site, or other location where you needed to update your credit card information. Also, create a second column where you paste the exact URL for the page you had to visit to make your change. (I’m already up to about 15 of these).

I really wish I’d already done this one of the other times I’ve gone through this; feels like it’ll really be handy for the next time.

Related: consider also creating columns where you paste in URLs, email addresses, or phone numbers for each company’s customer service department — particularly in case you need to escalate your updating to a live human.

Get cheap

Feeling like trimming back your lifestyle? Try hanging back a day or two or ten, and just wait for vendors to contact you about your “invalid card.” It can be astounding how many accounts you have set to run or renew automatically, and, believe me, merchants will let you know when they can’t run your card for some reason. This gives you a nice opportunity to verify for yourself that you really want all that stuff people are running your card to buy. Hell, I’m feeling tempted to “lose” my card every six months, just for the personal audit it provides.

Obviously, you don’t want to get critical services accidentally cancelled, but, at least in my experience, merchants are accustomed to users with multiple cards that sometimes just stop working for non-nefarious (if sometimes seemingly incompetent) reasons. Still, use this one with care.

One card for online

I’m tempted by the idea of using one credit card just for online purchases. I’m not sure this buys me any particular protection over mixing usage, but I’m attracted to the idea of making it a little easier to track down where abuse might have occurred, and “life” versus “the internet” seems like a satisfying taxonomy to start with.

I suppose if you’re some kind of mogul, you could get really granular, although I’d stop at the point where you have, say, a dedicated “Thai food card,” or the like.


As I’ve mentioned before, I’m a big fan of “Be Prepared” ideas like The Sick Box and The Blackout Box, but what do you think?

The Question to You

What’s your best practice for safe and convenient credit card hygiene? If you’ve had to go through updating your accounts tomorrow, what would you do differently from the last time?


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Oyvind Solstad's picture

Or Address book?

Lately I’ve started to put lots more data in Address book than before. Why not make a group called “Visa Card” and make entries for all the places you need to update that if it’s lost?

Address book is perfect for this with both phone numbers, URL fields, date fields etc.

Then it also syncs to .mac if you use it, to your iPhone, and you can use Plaxo or special software to sync it to gmail contacts too.

Merlin Mann's picture

True

Good point. And it also supports the GetHuman vCard idea.

thanosd's picture

Beware of FedEx

Forget to change your credit card in your FedEx account, and your next package will cost you $25 extra and as a bonus you get a nasty letter from FedEx.

TheManInBlack's picture

Be careful with letting subscriptions lapse

I registered just to make this comment…

I can’t fathom this is legal, but when your card is declined due to expiration some companies will try it a few more times while bumping the expiration date each time.

Whether this happens by policy or some accounting type thinking they’re saving time and revenue, I can’t say.

Chanpory's picture

Try before you apply

One thing I wished I had done before applying for credit cards, is to do a test run with the customer service lines. That means calling their service numbers to see how long the wait time is to get through, how complex the phone menu system is, and if the customer service reps are outsourced or not.

Once you do have a card, it’s worth testing out customer service again. Some credit card companies will also follow an aggressive script to sell you services with every phone call you make. I’ve had some nightmare calls with very very eager reps. When this happens, I put the company “on notice” and avoid using their card. I just don’t want to deal with stupid phone calls later on.

Hawkins Dale's picture

This is another reason why NOT to give your card to robots

Call me a fuddy-duddy, but I hate authorizing vendors to charge my card whatever they decide I owe them this month.

Sure, it’s unavoidable for some things, but I’d much rather get a bill, and see what they’re charging me for, and then authorize the payment.

Instructing your back to pay $63 to the cable company each month is much safer, since you’re not authorizing the cable company to suck down however much they want.

One hears horror stories.

Neslock's picture

Re: Toward a hygienic credit card

KeePass is a perfect place to store this. I’m already using it to store all my login information for my online accounts, and it has an url field as well as a place to make any random notes you want about each entry. You can also use it to securely store any other type of data you want - your credit card numbers, your kid’s social security numbers, WEP keys, software license keys or registration information, etc.

paulschreiber's picture

Tracking address changes

I don’t have a list of everyone who has my credit card. However, when I moved last year, I started keeping tracking who had my snail mail address.

I’ve compiled that in to a list, including links to the page where you can make the change (or as close as you can get).

Joe's picture

I do the same, but for e-mail addresses...

Much like keeping track of who has your credit card number, and who has your snail mail address, one might consider making a database (or spreadsheet) for who has your various e-mail addresses on file.

I decided to make a password-protected database containing the date I register at a website, my username and password, and any other registered info (e-mail address, answer to security question, etc.)

As I use multiple e-mail addresses, I decided to initiate this system in the event I ever let one lapse - then I’ll know who has it and whether I want to go back later and update my profile with a new e-mail address.

mandehu's picture

Re: I do the same

Keeping track of merely who has my credit card number would be the Twelve Labours of Hercules for me: I am no newbie; my 1st email address dates back to 1979 (NO typo!) and my 1st Web broser to 1991. Moreover most of the sites using secure payment pretend (wrongly? I cannot check) that they do NOT keep your credit card #.

I have participated in countless list and forums (or should it be fora? Johnstone says ‘When you go on a picnic you do not carry thermoi for keeping warm your tea’) since that time and they all have at least my email address. As for snail mail addresses I am really too old to even think of doing it.

I keep website registrations, login/pwd and other such items in WebConfidential www.web-confidential.com since longer than I can remember. If I were a recently-hatched newbie I might consider using iData2 a simple but clever database which has many other uses, without the complication of say FileMaker or even AppleWorks (it functions on my box but I suppose it’s dead) or worse 4th Dimension.

I certianly do not recommend using a spreadsheet as a database. It’s not made for that function and as soon as you have items that fill more than one screenful it gets out of hand. Moreover with iData2 you can also have a Freeform base, ie with no fields at all.

About Merlin Mann

Merlin Mann's picture

Bio

Merlin Mann is an independent writer, speaker, and broadcaster. He’s best known for being the guy who started the website you’re reading right now. He lives in San Francisco, does lots of public speaking, and helps make cool things like You Look Nice Today. Also? He looks like this, answers questions, and has something like a life.

Merlin’s favorite thing he’s written recently in the past few years is a short essay entitled, “Better.”

 
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