Melissa asked her bank to opt her out of sharing automatic card updates with merchants. Close to her card’s expiry date, she receives a new card with an updated expiration date. Melissa activates her new card using her bank’s mobile banking app.

Her bank advises her to periodically check in the app to see which merchants are requesting updated card information. Since Melissa opted-out of automatic card updates, no updates will be sent to participating merchants. Instead, she will need to contact the merchants directly to avoid interruptions in payments or service.

A few days later, Melissa checks the app and sees a list of merchants who requested updated card info which reminds her to update the merchants. She calls her cable company to update her payment information and logs into her ride sharing app to update her card on file’s expiration date. Melissa also sees a magazine subscription on the list which she wants to cancel so she contacts the magazine and cancels her subscription. She appreciates knowing which merchants she needs to update (or cancel) with her card-on-file arrangement. She plans to check again in a week to see if additional merchants were added to the list.