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Comment by throwaway11460 | Hacker News Reader

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throwaway11460

There is no free plan, there is just free limit - you must add a card.

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And what if you add a debit card without money? Or add a disposable card and then the next day you deactivate it?

Nowadays everyone push you to add a card to open free* account. Such disposable cards is a solution to this issue.

Your debt will be sold to a collection company.

Can they find and owner of the inactive card? If I put a fake name to their system

Your debit card bank has your real name and you agreed to share it to get the card in the first place.

In many countries this is meaningless.

I just ignore any horseshit that goes to collections outright

What a great achievement of our society. Inventing a financial instrument to buy and sell debts.

It really is. It decreases the risk and necessary KYC checks so a lot more people can get serviced that would be shown the door in a world where you can't sell a debt.

Many don't accept prepaid cards.

Is that new (relative to some previous point in time)? They don't have my card details.

just use a virtual card and then change the spending limit to $0? or freeze it

That still passes your personal info.

at least you wont get charged without your knowledge... which in the end, is the first step in getting this non-sense fixed, for a person... of course the government should fix it for everyone. This shit should probably be considered fraud anyways... companies get free passes all the time. My name (s9df898r32h) is my company, I should be able to steal whatever I want /s

Why are such large companies so incompetent though...

You will have to pay it AND a fee for fraud, and possibly their legal fees for tracking you down. You also will have a difficult time arguing that you were in good faith with this kind of shenanigans.

Bouncing checks are not a life hack to get stuff for free, they're a crime.

I thought they were the ones committing fraud ... either way you have to be crazy to subscribe to those services

Not really, no. Fraud requires intent.

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