In Hawai’i I left my credit card behind where we ate lunch on the way to the airport. Called ’em from the departure lounge and told ’em to cut it up and throw it out. Called Visa and told ’em to send me a new one. Really pretty easy. Then there’s switching over all the pre-authorized payments.
I have seven; how many do you have? Here is a list, in decreasing order of degree of difficulty, of the difficulty of upgrading your credit card details.
Stupid Website — Extreme Pain · Example: My cable/Internet provider. Various kinds of obstacles and roadblocks, just generally horribly bad UX.
Bad Call Center — Considerable Pain · This is when you get put on hold for a long time and then talk over a staticky echoey line to a heavily-accented individual who can’t understand the numbers you say over the phone. Example: Another telephone company.
OK Websites — Moderate Pain · I’m just not sure anyone’s figured out how to set up a website to make a non-trivial transaction like this easy, when you hardly ever visit it and thus aren’t going to know its rhythms or share its assumptions. It always seems harder than it should be.
Example: One telephone company. Also, Google, which was perfectly fine, once I’d given up on poking around my account and found the right place by typing “google wallet” into Google.
Intelligent Human — Slight boredom · These are provided, generally, only by organizations to whom you pay significant amounts of money. In my case, my government health insurance. Read ’em off an account number and they get you set right up.
Mobile Phone Responder — Minimum Pain · This one caught me by surprise. For still another phone company (yes, I deal with three, it’s a long story) I couldn’t find my account on their Web site, so I dialed 611 on that phone, and in about 3 clicks they’d pulled up the account linked to the phone, proactively noticed that my credit card had gone bad, and asked me if I wanted to type in the new number.
There’s a lesson in that.
Oh, and All Those Web Sites · It would have been a case of severe pain everywhere if I didn’t use a password manager with a browser plug-in so I could look up the account details for each of them and get the login stuff out of the way.
Yeah, I think about Identity all the time these days.