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URL:  http://boards.fool.com/arankitter-you-wrote-actually-no-the-onus-in-19679573.aspx

Subject:  Re: I have a collection!!! Date:  10/7/2003  4:03 PM
Author:  joelcorley Number:  171199 of 308454

Arankitter,

You wrote, Actually, no. The onus in this case is on the CC holder to notify the company that the card has expired and to give them the new card number. If the CC holder does not pay them (by telling them where to get their money) and they still take the service, then the company is within their rights to report it to the CRAs. Why should the onus be on the company to chase up expired cards for potentially thousands of users? My gas company would report me to the CRA if I tried to pay my gas bill with a check drawn on a closed bank account. Same principle.

But the gas company is an awful example. They would chase you because they had a contractual agreement with you. The fact that the check was drawn on a closed account simply voids your payment to the gas company, leaving your original contractual obligation intact.

My problem is that I don't believe the provider ever established a contractual relationship with me. They may have with my XSO, but not with me. If I later find I somehow obligated myself to bill, I'm sure I'll change my tune; but at this point I've seen no evidence to contradict my opinion.

- Joel
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