topic Re: Credit Card account address update in Get Support

Credit Card account address update

popping — Thu, 06 Jan 2022 08:05:19 GMT

This post is for your information only. We can discuss it and I will not assign a post as solution of this thread unless my info is wrong.

I moved recently. I updated the address on my credit card account.

Without updating my PM autopay cc info, I decided to test PM autopay to determine whether PM check my credit card address provided during the process of setting up my PM autopay. I was able to add $1 to my account using my autopay cc.

Therefore, PM may use your credit card address to verify that you are the owner of your credit card during the process of setting up your autopay. But PM does not check the address on your credit card before taking money from your credit card.

Re: Credit Card account address update

esjliv — Thu, 29 Jul 2021 22:03:32 GMT

@popping way to be a guinea pig!

Re: Credit Card account address update

softech — Thu, 29 Jul 2021 22:04:10 GMT

I think in Canada, only CVV (Credit verification value) is mandatory and AVS (Address Verification system) is optional (although most would do both).. so, in this case .. PM only do CVV when it tries to post a payment..

Re: Credit Card account address update

computergeek541 — Fri, 30 Jul 2021 02:28:25 GMT

@popping wrote:
Therefore, PM may use your credit card address to verify that you are the owner of your credit card during the process of setting up your autopay. But PM does not check the address on your credit card before taking money from your credit card.

I suspect that you're right. When an address check is done, merchants often do a charge in a small amount such as 1 cent to test the valdity of the card. Such a charge never does get posted. I can't remember if Public Mobile did that when I set up my account, but such temporary transactions would reduce the available credit amount. That could potential cause unexpected card declines particularly when using a prepaid card.

Re: Credit Card account address update

Anonymous — Thu, 29 Jul 2021 22:08:09 GMT

@popping : What? Not enough Available Funds? 🙂

But I'm confused. So the address is only verified on set up/entry. But not on a transaction like autopay or manual payment. But you didn't actually do an autopay.

Is all of that correct?

If so that's a great finding. So we can stop saying anything about payment failures having to do with a changed address.

Re: Credit Card account address update

popping — Thu, 29 Jul 2021 22:23:50 GMT

@Anonymous wrote:
@popping : What? Not enough Available Funds? 🙂
But I'm confused. So the address is only verified on set up/entry. But not on a transaction like autopay or manual payment. But you didn't actually do an autopay.
Is all of that correct?
If so that's a great finding. So we can stop saying anything about payment failures having to do with a changed address.

You are correct. I just did one time payment only - not renewal.

Re: Credit Card account address update

Anonymous — Thu, 29 Jul 2021 22:37:12 GMT

@popping : Ok then we need another guinea pig to change their payment card address and not change it on this account and do an autopay.

My third account is dormant now until mid-Oct. I could set up my Koho card and toggle autopay and then temporarily change my Koho card address and then see what happens at its renewal. But that's all the way until then. Anybody else? 🙂

Re: Credit Card account address update

darlicious — Fri, 30 Jul 2021 00:02:53 GMT

@popping

I'm confused....what address are you testing that is different from your credit card on file? Or are you putting a different address in the autopay section?

Re: Credit Card account address update

softech — Fri, 30 Jul 2021 00:04:31 GMT

@darlicious He meant he didn't change the credit card address on file and just tried a manual payment

Re: Credit Card account address update

Anonymous — Fri, 30 Jul 2021 00:08:37 GMT

@softech wrote:
@darlicious He meant he didn't change the credit card address on file and just tried a manual payment

...and that he changed his address on his payment card.

Re: Credit Card account address update

darlicious — Fri, 30 Jul 2021 00:09:40 GMT

@softech

Ok got it.

@popping

Have you had your credit card statement issued yet? I believe once your statement with your updated address is issued you then must update your address to reflect the change where necessary.

Re: Credit Card account address update

popping — Fri, 30 Jul 2021 00:51:51 GMT

@darlicious wrote:
@softech
Ok got it.

@popping
Have you had your credit card statement issued yet? I believe once your statement with your updated address is issued you then must update your address to reflect the change where necessary.

I changed the address on my credit card account. Therefore, my autopay cc has the new address and my PM autopay has my old address. I did not wait for the next statement before testing adding fund to my PM account. I will test again after my next cc statement is generated.

Re: Credit Card account address update

Koombassi — Fri, 30 Jul 2021 01:00:02 GMT

@Anonymous

Kudos for willing to change your Koho card. That's very considerate.

Re: Credit Card account address update

Anonymous — Fri, 30 Jul 2021 02:37:42 GMT

@Koombassi wrote:
@Anonymous
Kudos for willing to change your Koho card. That's very considerate.

@Koombassi : I've done a few tests on things here and there over my time here. Not a big deal. Others have too. Heck...the OP just did one.

Maybe _you'd_ be willing to test out this possibility. Although darlicious may very well be right that one would have to wait through a billing cycle of the card for the address to stick. Dunno. But I won't be looking at it for another couple months. My prepaid Koho doesn't really care about a billing cycle though so maybe changing the address would have no ramifications.