So I get the e-mail notification that my Quicken Classic Deluxe subscription is about to renew in early June. I launch the Quicken app on my Windows 10 Desktop PC, and go to Help/Manage your Subscription/Manage your account link after which I get a screen, showing that I am logged into Quicken, that has 4 options - including "Payments" with a "Manage" link. I click on the "Manage" link. at which time I see 2 sections - Saved Cards" and "Payment History". So far so good, I think.
At that point I see the single entry for the most recently used card - and I need to update the card information with a new CVV and Expiration date, as my card provider has updated my card with a new one. Everything else stays the same. On this page I see the "Update Payment" link, which I click on, expecting to be able to update only the changed information - but wait, all I get is a blank form for a new card information and no way to edit the two data items that have changed. So to make sure my information is present to avoid the traditional "your payment has been declined" message from Quicken, I enter the information for the new card and hit the "Save" button. When the page refreshed, I now have two cards displayed! Oops…!!!
Apparently Quicken.com has failed to provide a means to update current card expiration/CVV information for your current card, or any means to delete the old expired card and enter a new default payment card information to replace the expired card. Personally, I feel I should not be forced to have my card information saved on their site and in their servers past the renewal operation. I'm a long time customer, and as I have demonstrated - when it's time to renew, I make sure the payment information is correct and ready. It's what long time, responsible customers do…
As an IT Professional (retired) of 47 years, including 15 years in Financial Services IT Security work, I suggest Quicken consider the following:
- Allow customers to update card information you hold - for CVV and Expiration date only with 2FA confirmation for the operation if they are using the same card number
- Allow customers to actually delete current default card information and add a new card - you know people do sometimes want to use a different credit card and no longer use the old one. Again, 2FA confirmation might be considered to enable that operation
- Allow customers to indicate that the card being entered is for this one transaction only. After all if they fail to pay up, you know exactly who they are and you can block them until they do pay up. It's not that hard…
OBTW - 2FA is two-factor authentication, either via e-mail, or a text message. That's the annoying reason we all have to have message capable devices by our side when we are on-line doing these types of transactions.
I hope you will take my comments seriously, and perhaps consider fixing the problem being reported.
Have a Nice Day!
