I’m ashamed to admit that yes, I was one of those imbeciles.

only accessible through a mobile app.

apparently currently they allow it, but as lots of bank apps deny operation to degoogled phones, phones with a replaced rom, and rooted phones, it has the risk of losing access to your money when they decide to implement those practices. normal banks have a website and offices where you can manage your finances.

But, like, depending on the contract you have, stopping to pay doesn’t absolve you from it. They can just send the cost of the remainder of your term to collections if they want to. So figuring out how to cancel that subscription is kinda worth it.

Also, if you want your card provider to stop a certain merchant from getting payments, you can usually do that relatively easily.

Also also, I know that’s not always an option, but I just have almost no subscription I can’t cancel month-to-month (pretty much just phone, Internet, VPS, stuff I need long-term anyway).

long as im not automatically opted in, it matters not much

If the credit card company gives access to their account records to AI agents, that’s a vulnerability. Following tech news you see stories all the time of agents being tricked to go outside their parameters or give access to info they shouldn’t. All these companies are rolling out AI features prematurely because they are over-leveraged in AI investments that aren’t bringing returns fast enough for investors. I’m not saying the idea couldn’t have merit if rolled out properly, but we have all seen these companies rushing out half cooked products and pushing them on customers with auto opt in policies. Microsoft, Apple, Google, etc. Do you really trust Visa to do a better job at cyber security or be more cautious about integration and implementation that protects customers? I am not trying to spend hours on the phone fighting bull shit charges these sloppy AI agents “accidentally” purchased on my behalf or scammers tricked agents into making. AI Agents are getting tricked into sending password resets on accounts scammers don’t own all the time. I read the article, I understand the concept, I don’t trust these businesses to implement it responsibly. My comment was I don’t want auto opt in and I don’t see that as an uncommon outcome in the landscape.

I not only read the article, I read other publications on the subject. Visa gave ChatGPT access to the core security and transaction infrastructure of VisaNet itself. They say “the integration is designed with a layered, security-first approach where the AI agent never sees or stores a user’s raw credit card number.” I am very weary of this integration level because AI agent security is shit. Visa or any CC company could opt in all accounts to the program by default in their backend so anyone who links their Chat GPT account can seamlessly activate the features from Chat GPT’s side. What is stopping bad actors from opening Chat GPT accounts, stating to the AI agent they are me from one of a million data breaches, and tricking the AI agent to activating the Chat GPT credit integration for their Chat GPT account? Sure, they don’t get the credit card number but it’s still charging me. Scammers are already tricking AI agents to take over accounts from many other sites. I am not happy about the sloppy security protocols implemented by rushed AI integration and the way Visa is integrating this feature so deeply has me concerned - especially with so many companies doing auto opt-ins. The feature idea doesn’t seem awful if people want to use it. I just don’t want the ability to charge my credit card exposed to Chat GPT and from what I read I’m not convinced it isn’t. These companies are rolling out AI features too quickly to appease share holders itchy for returns and they aren’t being careful enough with security guard rails. I don’t want to spend my free time fighting charges I didn’t make.