Sometimes you just need to scream!!!

[tj_PE]

booked an international flight for 2. friend wanted to join us. booked for 1 more. random purchases.2 days later, book flight in ecuador for 3.

haven't received flight tickets (confirmation yes, but they send individual emails afterwards? or did after first flight, same airline)

look at my cc online. shows initial flight for 2 then 1 and all following transactions as pending. i call chase, ask to make sure they don't have any flags or questions about the purchases, because i'm planning a trip for 3 and will be making many purchases. they say nah youre good.

make purchase at best buy online. CARD IS DECLINED FOR FRAUD.

yo, i JUST called you to tell you all the stuff i'm buying and you flag this purchase? I mean I'd rather have it flagged than be responsible for an actual fraudulent charge but come ON. haha. 

 

[leggo PE]

Best Buy must not have been in line with all the travel purchases, so they probably were like WTH?

 

[mudpuppy]

Chase is is the worst.  I had some random charges from Germany a couple years ago that posted and credited back, and then a couple months later some other low dollar purchases that I didn't make.  I had to call them and say, hey I didn't make these.

I've hard card numbers stolen from Amex (twice) and Capital One and they were both on top of it, calling me, etc.

 

[knight1fox3]

Chase is is the worst.  I had some random charges from Germany a couple years ago that posted and credited back, and then a couple months later some other low dollar purchases that I didn't make.  I had to call them and say, hey I didn't make these.

I've hard card numbers stolen from Amex (twice) and Capital One and they were both on top of it, calling me, etc.

Curious if these were Visa and/or MC and whether or not if they were chip-activated.

 

[tj_PE]

Chase is is the worst.  I had some random charges from Germany a couple years ago that posted and credited back, and then a couple months later some other low dollar purchases that I didn't make.  I had to call them and say, hey I didn't make these.

I've hard card numbers stolen from Amex (twice) and Capital One and they were both on top of it, calling me, etc.

i've typically had great experiences with chase. they've caught every fraudulent attempt. and when i was working in nyc and wouldn't receive a replacement card shipped to my house, they kept the frauded one open just only allowed to be used in nyc. I made about 3k worth of purchases in 2 days, so I am glad they flagged it, considering the possible alternative!

BoA is a PoS tho. 

 

[leggo PE]

i've typically had great experiences with chase. they've caught every fraudulent attempt. and when i was working in nyc and wouldn't receive a replacement card shipped to my house, they kept the frauded one open just only allowed to be used in nyc. I made about 3k worth of purchases in 2 days, so I am glad they flagged it, considering the possible alternative!

BoA is a PoS tho. 

Conversely, I've had great luck with BoA! Seriously. I've had fraud on my account twice, and they have been the ones who alerted me it was happening. Now I have email alerts (which I set up myself) that go out for any charges over the amount I set, and any charges outside of the country. They also send me a text if several (usually three) purchases are made in rapid succession, and I can just text back whether I made the charges or not. If I didn't, they freeze the account and send me a card that, in the past, got to me within two days.

 

[tj_PE]

Conversely, I've had great luck with BoA! Seriously. I've had fraud on my account twice, and they have been the ones who alerted me it was happening. Now I have email alerts (which I set up myself) that go out for any charges over the amount I set, and any charges outside of the country. They also send me a text if several (usually three) purchases are made in rapid succession, and I can just text back whether I made the charges or not. If I didn't, they freeze the account and send me a card that, in the past, got to me within two days.

yeah, chase does that for me. 

My BoA saga was in 2011 when I transferred $10,000 into a BoA account to use the sister ATMs in Australia on a trip abroad with no ATM fees. Obviously this was before like every decent CC started having no foreign transaction fees. I explained explicitly what I was trying to do. I get to Australia, and the PIN is incorrect. I have to call internationally, at hours that they are open, to talk to customer service. Who can only send me my new pin, via snail mail, to my home address. Can't overnight it so I could have someone go and get it and send it to me, or send it to a different address, nothing. All of my spending money outside of the cash I brought on hand was in this BoA account that I couldn't get access to. Also before all the conveniences of online banking etc. Anyway, I ended up having to charge meals and have my friends give me cash and eating the fees so I could survive. I promptly withdrew all funds and closed my account the day after I returned from Australia and have never used them since. Except my Alaska cc that I recently Acquired which I'm not happy about. haha.

 

[mudpuppy]

Curious if these were Visa and/or MC and whether or not if they were chip-activated.

The chase one was a Mastercard, and the Amex ones were obviously Amex.  These were all before the chip cards, but with so many transactions not requiring a chip (e.g. everything online or over the phone, gas stations, and it seems like about half of retailers I go to) I don't see the chip really helping avoid fraudulent transactions if someone steals your credit card info.

The fact that Chase didn't catch fraudulent activity on my card on more than one occasion while other issuers have been much more on the ball means I'll never really trust Chase.  Not that it really matters much since you're not liable for fraudulent transactions on a credit card anyway.

 

[Road Guy]

3 times a mady

 

[Supe]

My Chase Visa hasn't been an issue, though I think Discover does a better job at flagging it. 

 

[Master slacker]

My temporary assignment is wearing on me...

 

[Road Guy]

watch the sam kinison video scene from Back to School and then go back to work!

 

[knight1fox3]

I'll even make it easy for you @Master slacker:

 

[leggo PE]

This nose GAAARRRGGGHHHHH!!!!!

 

[P-E]

This nose GAAARRRGGGHHHHH!!!!!

 

[Road Guy]

Was flipping around the radio dial and aghhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhh

 

[csb]

That's what you get for paying for radio. 

 

[Road Guy]

its easy when you don't have a car payment

 

[Master slacker]

"Simply..."

 

[Ble_PE]

"Simply..."