I just had an interesting experience with Brighthouse Networks, curious if this is a common practice in anyway.<p>We have autopay setup via a visa debit card, I had a new card issued because the bank decided to move to chip cards.  I missed changing a couple of autopays immediately, including brighthouse.  Not a huge deal, soon as I saw it I fixed it and never had any issues.<p>What is weird, is when I got the statement it showed Brighthouse tried the payment 3 times on the same day, first for the total amount due, then for 50% of the total, then for 40% of the total.  In my case they were all denied because I had a new card issued with new details so it wouldn&#x27;t even process.  However, I got to thinking, had this been a situation where someone had a valid credit card or a debit card with just a low balance, then it technically could have created multiple overdraft (or over limit) charges at the bank.  I think this is valid because two smaller payments might get &quot;covered&quot; with the overdraft&#x2F;over limit fees, but the combined larger amount might be rejected outright.  Hence two $35 or whatever overdraft fees for someone because the company decided to break the payment without first asking the consumer.<p>Is this a standard practice amongst companies?  I have never seen it before, and while it didn&#x27;t hurt me it seems to be a questionable practice.  At the same time, I can partially see a benefit of a company doing this, for anyone that had a rough month it might keep their services on with the smaller payment until they get the rest of the funds together.  But it just seems wrong the company does it without asking the consumer first.
Ask HN: Credit Card billing practices