I run a small (~$3M) online service that runs off a $20/month recurring fee. The bain of my existence are credit card declines after the first transaction. While some of these are unavoidable, some might be. I've heard that for credit cards that are routinely updated since they expired, some people recieve an automatic credit card update. I've made inquiries thru my vendors and they seem to know nothing about it. In a recent news bulletin from Discover, they referenced their credit card updater service but so far, I haven't been able to get any real info.