Credit cards used on-line should be configured in such a way that they can be used like cash- just once, without the possibility of recurring charges being added on in non-consenting 'subscriptions' before one notices. When one hands over cash for a purchase there is no chance of handing over more cash without your knowledge unless an expert thief hit your pocket and lifted you wallet. Some online opportunities to purchase goods or services hide on-line neo-thieves that slip in subscriptions without your knowledge or consent after an initial small purchase.
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The follow-on charges are much larger. For an PDF conversion one-time for .95 cents one might discover a $39.95 charge a few days later for a subscription. For an I.Q. exam test result for .99 cents on-line one may discover later that they are being billed $39.95 for 'brain training' so they can pay $39.95 a month to learn how to score higher on the I.Q. exam. Those ubiquitous testers will at least cancel the subscription if you take the time to discover that they have billed you and can connect with them via a phone call.
Life would be so much easier and a little more secure regarding in-line purchases for services if cards had an option setting someplace with the card company that a purchase with a card would be good just one time- and some sort of explicit authorization for approval of any other charge was required in order to prevent add on charges that occur without the users awareness. Many people don't check their online balances and activity of every day, and getting rid of what is basically a fraudulent charge is a time-consuming procedure with implicit opportunity costs in-themselves.
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