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Comment by k-mcgrady | Hacker News Reader

This is bad. It'll badly affect people with low bank balances and high overdraft charges - it'll be interesting to see how Twilio reimburses people for charges banks levy on customers.

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Or if it's on a credit card and you hit your credit limit and they keep trying to charge. How do you reimburse for a drop in credit rating?

This is unlikely to happen given most cards report monthly with a 30-day delay. Assuming you're able to contest the charges there would be no effect on your rating.

Debit/bank users are definitely the most susceptible.

Additionally as far as I know there is no credit rating penalty for repeated attempted charges above your limit. That sort of information isn't even on any report I've ever seen. The increased balance may impact your credit score, but as you've noted it's unlikely this would make it onto your credit report unless Twilio is rather slow to resolve the issue.

However, running close to your credit limit does impact your credit score, at least according to everything I've seen on the subject.

Normally, if these errors occur and are dealt intraday, there should not be a problem.

So I would wait and see, how this is handled. I see updates about every half hour, so I suspect, that they will handle the rest as transparent as well...

Disclaimer: Not a customer.

I agree - this is not our best work.

We'll have more on what caused this incident and what we're going to do to make it right later today.

OP link directs to the board with our up-to-the-minute status on resolving this incident.

They should be ok if they reverse the charges before the transaction is completely processed.

If they void all these transactions you should be fine right?

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