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While that might not be what Netflix is doing, the card networks do have a process to tell recurring billing merchants about new card information:

https://usa.visa.com/dam/VCOM/download/merchants/visa-accoun...

https://www.creditcards.com/education/recurring-charges-upda...

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Yes, I updated my comment a few seconds ago to include my source for Netflix's specific implementation.

And regardless of the mechanism for the credit card updates, it's not fraud. Customers, Visa, banks, and merchants all benefit from removing the arbitrary hassle of keeping track of expiration dates and stolen card numbers.

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