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Credit Card Invasion of Privacy. Negative Billing Rampant!


Richard Hughes- Political Blogger

I received the notice (below) along with my last Chevron bill. Fortunately I actually read it surprise, surprise look at what it says.

This is Negative Billing pure and simple. Personal information can be sold, and assigned.

If you do not respond to the easy to miss notice it will be automatically kicked into play.

I decided to cancel my Chevron Gas Card in protest of their policies.

When I contacted the GE Credit office I was asked why I wanted to cancel my card.

When I expressed my concern and opposition to their privacy policies I was advised that I could have access to all my personal information cancelled. It did not mention this option in the letter below. I remained on the line while the woman, altered my account blocking my personal information, item by item.

As a result I did not cancel my account but what if I had not read the enclosure?

Heads up this “Negative Billing” scheme needs exposure!


October 26, 2012

Account number ending in:XXXX~

The following is a summary of changes that are being made to your Chevron Credit Card account terms. These changes will take effect on  12126/2012.

Personal Information: We are Changing the provision in your account agreement that addresses how we use your personal information. Please keep this is important for your records..

The following provision is being added to your credit card agreement.

“We may disclose to third parties, including our retail partner (“Third Parties”), and Third Parties may use personal Information about you to develop, enhance, market or provide other products and services that may be of interest to you. We may use or disclose personal Information about you as otherwise disclosed in our privacy policy, as such document may be amended from time to time and which may be viewed at We will not collect, use or disclose personal Information except for the purposes described in the credit agreement or privacy policy.

We may use external service providers that store or process the information on computers located outside of Canada, including in the United States, Mexico, India, and the Philippines, whose data protection may differ  from those in Canada. As a result, the Information may be subject to access requests from governments, courts, law enforcement officials and national security authorities in those countries according to their laws. Subject to these laws, we will ensure that appropriate protections are in place to maintain protections on the Information that are equivalent to those that apply in Canada.”

Your continued use of your Chevron Credit Card following the effective dated stated above shall be deemed to constitute your consent to this change in terms. If you have any questions regarding this change to your account or if you would like a copy of our complete privacy policy, please contact us at 1 800 663 1787 or

P.O. Box 940 STN Agincourt, Toronto, ON M1S OG2.

1 comment to Credit Card Invasion of Privacy. Negative Billing Rampant!

  • David

    Why don’t you pay by cash, no interest, no dedt, no mistake in statement.Credit and dedt card are easy to scam than the companies lead you to believe, when you bank account is drained because you used your credit card to buy a coffee , good luck in getting your money back even if you manage to prove it, which is harder than you think you will still have to wait 6 month or longer , cash rules.I know people that can drain your bank account in minutes, it easier than the bank let on.They just what the interest and the fees, cash rules every single time.