[½ answered] Why do airlines share my itinerary with my bank? GDPR violation? Any travelers switching to cash?
cross-posted from: https://links.hackliberty.org/post/125466
My credit card issuer apparently never gets to know what I purchased at stores, cafes, & restaurants -- and rightfully so. The statement just shows the shop name, location, and amount.
Exceptionally, if I purchase airfare the bank statement reveals disclosures:
- airline who sold the ticket
- carrier
- passenger name
- ticket number
- city pairs
So that’s a disturbing over-share. In some cases the airline is a European flag carrier, so IIUC the GDPR applies, correct? Doesn’t this violate the data minimization principle?
Airlines no longer accept cash, which is also quite disturbing (and illegal in jurisdictions where legal tender must be accepted when presented for PoS transactions).
Has anyone switched to using a travel agent just to be able to pay cash for airfare?
UPDATE
A relatively convincing theory has been suggested in this other cross-posted community:
https://links.hackliberty.org/comment/414338
Apparently it’s because credit cards offer travel insurance & airlines have incentive to have another insurer involved. Would be useful if this were documented somewhere in a less refutable form.
GDPR question still outstanding.
That’s not the same bank that I bought my airfare with. The bank I use to buy the airfare with has no reason to know where I am. IIRC there’s a stat that on avg Americans have like ~15 or so different bank/credit cards. What you’re saying makes no sense. The airline takes the liberty of giving a travel notice to just one of your dozens of banks, and what about the rest?
I often buy a one-way ticket with one card and a one-way return with another. So not even one bank has the full picture. I typically leave those cards at home as well because they have poor forex rates. Yet this doesn’t trip fraud sensors on the cards I carry to the destination. The fraud sensors are tripped when I forget my ATM limit or incorrectly adjust that limit for the foreign currency.
One bank that requires a travel notice doesn’t even accept that a trip would last more than 2 weeks. I call and say I will be gone 3 weeks, or 4 weeks, and they cannot handle it. They say “the travel notice will expire in 2 weeks so you have to call again when that time comes to renew your travel notice”. What I tell them directly carries more weight than whatever shows up on the transactions because they have no way of knowing what other travel arrangements I have. Yet what I tell them is not fully utilized.
The other problem with your theory is travel notices are a recent development of the past ~10—20 years, whereas itineraries have been shared with banks for as long as I can recall (~25+ years). Anyway, speculation isn’t cutting it. Solid info needed on why this is happening.
I'm finding your hostility towards me to be completely unnecessary. Unless there is someone here that works for a bank, you're not going to get a solid answer, only people's best guesses. I have offered you the most likely explanation. Getting angry at me for that is not in keeping with the rules of the Beehaw community.
Reading this response, I'm compelled to ask
Do you want an answer or just a space to br angry and rant?
Do you have an answer in mind which you're looking for and will react with hostility to anything which doesn't fit with your expectations?
It’s all about getting an answer. Any rant that you think you sensed is at most an attempt to motivate a good answer.
I should also stress that I don’t want bad answers. The same broken speculation has been posted multiple times in this thread and in the parent. Thus compelling me to repeat the flaws in that bad answer.
I’m confident at this point that I finally got a viable answer: insurance. But I might be tempted to press for more details because it’s still unclear how the GDPR compliance pans out. GDPR violations are rampant these days, so it could lead to an article 77 complaint. I still have to do a bit of analysis on that from the insurance narrative.