Community Forums

LindaH · 06-23-2009, 07:35 AM

Quote:

Originally Posted by wthomas1

AS stated previously by another poster, we now notify our credit card companies when we are going out of state.

We started fulltiming in 1998 and travel to numerous states each year. At no time have we ever notified any of our credit card companies of our travel schedule (heck, even WE don't know what that will be!), and haven't had a problem with a charge being denied because it was in a "different" state.

hamguy · 06-23-2009, 07:44 AM

Credit card companys get stiffed for billions every year. Out of the ordinary charges against a card is a flag to fraud. They do this to protect both them and you. My card was stopped at a W-M last year. I found out later that the printout that accompanied the refusal had a phone number for me to call that would have cleared it on the spot. But the dimbulb on the counter didn't tell me. In any event, it took mere minutes to clear it up.

BTW, in case you don't understand, when a CC company gets stiffed for a fraudulent charge, YOU eventually pay for it in higher rates.

Kinda like free government health care. WE are the gov't.

RustyJC · 06-23-2009, 07:45 AM

Quote:

Originally Posted by LindaH

We started fulltiming in 1998 and travel to numerous states each year. At no time have we ever notified any of our credit card companies of our travel schedule (heck, even WE don't know what that will be!), and haven't had a problem with a charge being denied because it was in a "different" state.

The fact that you travel to numerous states each year establishes your profile. The credit card companies know that you have historically made purchases in diverse geographical locations.

The security departments of the credit card companies are looking for deviations in spending profiles. Therefore, the ones most likely to be affected are the seasonal travelers who typically make most purchases in/near their home zip codes and suddenly start making purchases halfway across the United States.

Rusty

Jack R · 06-23-2009, 08:13 AM

I have had purchases delayed because merchant gets a code telling them to call the credit card company, than put me on the phone to talk to them once I tell them I'm traveling it ends problem, I also don't sign my cards, and most businesses ask for my I D which I'm happy to provide them. Just another form of protection for me.

blacktie.shooter · 06-23-2009, 09:11 AM

Quote:

Originally Posted by Jim Stewart

. . The bad news is the computer programs are going to be flagging more and more events and we just have to learn how to deal with it.

Jim Stewart, this is off thread, but just had to tell you (finally) that, to me, at least, your avatar is so distracting that I cannot read your posts, which appear to be very well written. That goofy face, with the blinking eyes . . . Sorry.

Arctic Owl · 06-23-2009, 03:05 PM

Well, must be something new. I have used ALL my creditcards from Canada, clear across Canada & the USA & have NEVER had a card refused. I also have never had to let my credit card companies know I was making a cross country trip. Have no answewr as to why you are having a problem. The day I do have a problem, is the day that card gets canceled.

Reg

Jim Stewart · 06-23-2009, 04:01 PM

Quote:

Originally Posted by blacktie.shooter

Jim Stewart, this is off thread, but just had to tell you (finally) that, to me, at least, your avatar is so distracting that I cannot read your posts, which appear to be very well written. That goofy face, with the blinking eyes . . . Sorry.

That's was no Avitar, that's was my self portrait. Check out my new one, I bow to your sensitivity!

Jim

blacktie.shooter · 06-23-2009, 06:31 PM

Quote:

Originally Posted by Jim Stewart

That's was no Avitar, that's was my self portrait. Check out my new one, I bow to your sensitivity!

Jim

Jocat54 · 06-23-2009, 09:42 PM

I don't use a credit card (do have one)--only debit card thru Bank of America. I have had BOA call me on several occassions when we made large debits or alot of smaller ones in the same day. Almost always get calls on the day after Thanksgiving--wife goes shopping. I really appreciate that they are really watching.

I also like it when the store clerks ask for an ID, I see others get upset over it.

John

bldrbob · 06-24-2009, 06:34 AM

If you don't sign the back I would suggest you write ASK FOR I.D.Otherwise the thief could sgn the card and the signature would match.That would only work if the clerk looks at the card.
BOB

duramax · 06-24-2009, 09:44 AM

I should have mentioned in my post that the merchant did not ask for Id and wasn't interested when I produced it. According to my bank the merchant uses a computer program to flag pruchases over a certian dollar amount and if the card is not local to the point of purchase contacts the bank that a fraud is taking place. I contacted visa immediately and they could not find a reason for the hold. The bank was hard pressed on Monday to find a reason also and re-enabled the cards.

duramax · 06-24-2009, 09:50 AM

Quote:

Originally Posted by RustyJC

From the thread title and the first post (see below), the allegation was that WalMart was the guilty culprit. That was my point - the merchant typically isn't the one behind the denial.

I rather suspect in this case that the Visa security department has locked it down because a Florida resident is making purchases in Texas. A phone call to Visa security (not the issuing bank) might well rectify the situation.

Rusty

I contacted Visa with in 2 minutes and they wouldn't enable the card, as they didn't see a hold from my bank. This took place at 6:00pm on a Friday evening. I had to wait until Monday 8:00am east coast time to get the problem solved. I am only repeating what my bank told me as to Walmart's policy of flagging cards as neither my bank or Visa placed a block on the card.

sgtjoe · 06-24-2009, 10:47 AM

In the sig blocks on my cards I write SEE ID and do not have a problem. It is a WalMart policy for the cashier to ask for ID when you are using a charge card, they don't ask for ID when you use a debit card since you have to input your PIN, unless you choose to use your debit card as a charge. My Credit Union several years ago caught a rather large purchase on my Visa in Tokoyo Japan for furniture, they froze it until they could contact me to verify if it was me. It wasn't, got new cards in a few days. When we are on the road or out of Country I notify my Card company of my plans. I also check my account often to make sure it is only being used by me.
When ever I am in line at a store and the idiot in front of me complains because the cashier asks for ID I politely point out to them that they are doing it to protect not only their store but you as well. I have seen WalMart cashiers decline credit purchases with no ID presented, MY HEROS.

Eddie Foy · 06-24-2009, 11:31 AM

Want some swamp land in Florida? I would be looking for a new credit card company.

Quote:

Originally Posted by read & learn

We also had a problem with WalMart with our card. Our Credit Card Co. told us that if we use our card in WalMart more than once within a set period of time and totals more than $100 the 2nd purchased will be denied by WalMart.
What we do now is if one of us is going to check out we call the other and check out together.