As holders of Morgan Stanley (Goldfish) credit cards will know, these will cease to be valid on 22nd September, and the replacement Barclaycards will become valid. It is cardholders' responsibility to notify the change to any organisations whom they pay by means of continuous payment authorities. The timing of this could be quite critical for anyone expecting a bill on or shortly after 22nd.
One example in my case is the Call18866 phone service who usually bill me on about 25th of each month. To make sure that the new details were in place in good time, I went online yesterday and edited my payment details.
So what did the silly sods do? Yes, you've guessed it - they issued an invoice *early* in order to test that the new payment details were valid. And, unsurprisingly, Barclaycard refused payment because the new card is not yet valid!
I've now changed the details again - to a card from a different provider - and suggest that other Morgan Stanley (Goldfish) cardholders do likewise if they wish to avoid this kind of nonsense.
Oh, and another thing about the new cards - cashback. The *good* news is that this will be automatically credited monthly without having to wait for multiples of 15. The *bad* news is that the amount of cashback (1% on the first so much, 0.5% on the rest) is calculated each month based on the
*monthly* spend rather than the annual spend. So anyone who makes the occasional large purchase rather than regularly spending over 200 per month could well lose out.