EPS
join:2008-02-13
Hingham, MA | reply to Karl Bode
Re: Idiots Hm, when did they start doing that? A few months back, I had an issue with, as I recall, Citibank, where they shut off my credit card after buying a laptop (which was not part of the "typical purchasing pattern"), and then didn't inform us at all, which caused much consternation as the card simply stopped working, Dell was the one who told us there was a problem, without details. (probably because they didn't have any) |
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| Some are better than others. I had a Discover Card where they'd call me anytime anything looked remotely strange. It still happens occasionally via VISA. I'm not sure it would be a big deal to send an automated SMS should your account start to seriously get to the point where you need to take out a home equity loan to pay it.... |
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Reviews:
 ·Hargray Cable
| reply to EPS
said by EPS:Hm, when did they start doing that? A few months back, I had an issue with, as I recall, Citibank, where they shut off my credit card after buying a laptop (which was not part of the "typical purchasing pattern"), and then didn't inform us at all, which caused much consternation as the card simply stopped working, Dell was the one who told us there was a problem, without details. (probably because they didn't have any) I live on a resort island and it happens all the time. CC's say the card is out of it's usual area and spending is out of range. Hotels resturants etc. If you only have one CC you are F'ed because they will do nothing over the phone for you and it takes a day or two for your card to work again. LOL. |
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| That sounds like a big issue....
I like the idea of a company trying to protect me from charges made by people using my card, but without an easy way of working things out (over the phone), it's a bad system.
And the number better be on the card to resolve the issue as well. I had an issue with my debit/credit card saying that it was over its limit or some crap and the only number on the back was an ATM finder and a number for the local office, which would've been closed that day anyways. A number to Visa's center would've been much more efficient. My issue solved itself luckily though, I just went to a different booth for tickets and it worked normally...Weird. |
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Reviews:
·Hargray Cable
| said by YayOtters:That sounds like a big issue.... I like the idea of a company trying to protect me from charges made by people using my card, but without an easy way of working things out (over the phone), it's a bad system. And the number better be on the card to resolve the issue as well. I had an issue with my debit/credit card saying that it was over its limit or some crap and the only number on the back was an ATM finder and a number for the local office, which would've been closed that day anyways. A number to Visa's center would've been much more efficient. My issue solved itself luckily though, I just went to a different booth for tickets and it worked normally...Weird. That red flag thing is a major issue. They tell you to call a head of time and tell the CC company that you will be out of town and spending more than usual.
Another point is hotels will block out more money then your room bill on your CC so if your close to your limit you can run into trouble that way.
Here's what happened to my debit card. A clerk had a CC machine that didn't read the card well or something was wrong with it. He ran my card 3 times and the next time I tried to use my card it didn't work. I had to call and what they said was my card was flag because it looked like someone was trying to use the debit card but didn't know the pin??? Be aware that if you use your debit card and something isn't working right it very well may be flagged. |
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