The person in question has a relationship with the credit card company, in that they have requested and use the credit card (and if they aren't using it, nothing is being collected). I agree that opting into collection automatically is less than ideal, and I don't want it to happen, but this isn't some third party getting between some other nefarious third party and myself, it's them injecting themselves into an ongoing business relationship between two parties.

You can label them surveillance companies all you want, and in some contexts it might be the most fitting description. In this context, I would say it's more fitting to say they are contractual partners abusing the looseness of the contract for their own benefit.

Just in case you missed where this particular thread started, the top level comment is about the opt out forms for data collection at Visa and MasterCard, and the reply's (possibly somewhat in jest) suggestion that since the CAPTCHA is so simple, someone just use whatever card numbers they have access to to opt people out automatically. All my comments are specifically in that context, which is one of random third parties using card numbers they shouldn't have direct access to anyway to alter the business relationship of others without authorization.

Due to the constraints on understanding, I believe "fine print" in contracts carries zero moral weight. In order for Visa and Mastercard to credibly claim people have opted in, there needs to be an overt choice (no default already-checked option) as part of the direct card relationship, as well as specific consideration for that specific aspect of the relationship to remove any incentive to downplay the choice.

Furthermore, I do not view a person's associating with Visa/MC in today's society to be in any way voluntary - opting out is only possible at significant personal expense. So the mere existence of a business relationship also cannot be a basis for general consent. (As an aside: people generally do not contract with Visa/MC directly)

Taken together, these put "abuse" of a "business relationship" is in the exact same category as interjected actions by "third" parties - unwanted transgressions. They only feel different because we've become fatigued to accepting these transgressions when they pad someone else's bottom line.

And yes I am aware of the context of the discussion. I wouldn't personally do such a thing, but that doesn't mean I wouldn't applaud someone who did.

> Furthermore, I do not view a person's associating with Visa/MC in today's society to be in any way voluntary - opting out is only possible at significant personal expense.

Hardly. There are other creditors, and if you aren't worried about credit at all (and there are other ways to build credit), then you can use cash, buy gift card variants of their products which don't link to you, use some other provider (paypal), or some other form of payment entirely in some cases (e.g. cryptocurrency). There are more choices now than ever before.

> Taken together, these put "abuse" of a "business relationship" is in the exact same category as interjected actions by "third" parties - unwanted transgressions. > I wouldn't personally do such a thing, but that doesn't mean I wouldn't applaud someone who did.

The only way I can read this is as you condoning additional violations of someone's privacy just because you think it's for the best this time. As I've noted, I don't think your value judgements have any place in my life, nor my interactions with other parties.

This has nothing to do with whether the whether the credit card company was justified in doing what they did, it has to do with people minding their own business and not violating other people's privacy. If you think the credit card companies are going too far, then calk to the authorities for legal action or legislative remedy. I applaud that action, but I don't want your vigilante activism, and I don't condone breaking the law by people that think they're more special than other people because they're doing it for "a good reason" or because "it's really just helping people".

I guess it's nice that you wouldn't do it yourself, but why would you applaud someone doing something that you wouldn't do yourself? It's real simple, if you can't or don't want to ask for permission to do something for someone else, then you shouldn't be doing that thing.

The issue isn't credit, but payment processors. Add Paypal and ACH to Visa/MC and you rule out basically every web retailer. If Monero/Zcash get to the point where they are well-adopted practical choices this judgement can change, but we are nowhere near that state of affairs.

> additional violations of someone's privacy

I've agreed that flipping that surveillance preference flag is a type of violation, just of territory that has already been trodden on. It's like if someone breaks into your house while you're away, then a neighbor comes along to put a tarp over your window before it rains, and you're complaining that the neighbor has trespassed. In a sense you'd be technically correct, but most people would consider that action to have been reasonable.

There is also the aspect where someone leaving this preference flag unmaintained is contributing to a larger attractive nuisance.

> why would you applaud someone doing something that you wouldn't do yourself?

Because I simply wouldn't want to take on the legal risk.