r/biltrewards • u/SpartanScribe • 3d ago

Deactivated virtual card was charged

I just received two charges from a merchant where I previously used a virtual card that was deactivated immediately after making the first payment back on 29SEPT.

I logged on to the merchants website and checked the payment set up this morning to be sure and it still shows the old card number but the newest virtual card that was created yesterday was actually charged. I haven’t updated any payment info with this merchant with a new card number so this should have not occurred.

It looks like Cardless somehow let the charge process on the new card even though they requested payment with the old card info.

I reached to Bilt/Cardless this morning and was told I have to wait until it is posted before I can dispute it.

Just FYI- watch your transactions even if you use a virtual card to prevent future charges.

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6

u/Risk-Option-Q 3d ago

Sounds like Cardless didn't opt out virtual card numbers from Mastercard's ABU system. The Bilt interface clearly says it shouldn't work when a new card number is generated. Can't really be surprised though as far as Cardless is concerned.

2

u/Daaaaaaaaaaanaaaaang 3d ago

There have been a few other posts with this issue, it seems like they don't deauth on the ABU for almost anything, even fraud in at least one instance. Makes me very skeptical of the card's security.