Discover just really impressed me...

[murphy55d]

I had finally given in and ordered a 19 inch Planar LCD from Dell, decided to put it on my Discover card. I submitted my order, and 2 minutes after, Discover called to make sure I had actually placed the order myself, &checking that it wasn't a fradulent charge.

Never had this phone call before, but it makes me feel better if my card ever gets stolen or anything. Nice to see they're sort of looking out for their card holders.

 

[WA261]

that is cool, but what if you are not at a place where you can be reached by phone? not being an ass...im serious...would the order not go through?

 

[murphy55d]

Interesting question... I really don't know. I didn;t even know they made these calls at all... anyone know? I'd like to find out, too, for future reference.

 

[StageLeft]

They're looking out for themselves as well. My father in law has frequently had his gold card denied by his credit card company if he makes a purchase outside of his home town. He might buy something in another city and it will be temporarily shut off then next time he tries to use it it's declined and he has to call up the credit card company and ask wtf is going on.

That's the sort of sh*t that makes me change providers!

 

[WA261]

most places will not eve accept phone payements any longer. if they do, they verify the address on the card and make sure it is the same as the shipping addy

 

[dman]

On more than one occasion my CC company has called and left messages that there were a few large purchases on my card that day and they wanted to make sure there was no Fradulent activity and for me to call them at my convenience. On those occasions, it was me who made the large purchases.

A long time ago I was declined from making a payment to a dealership using my credit card. That Pissed me off, how many people steal credit cards and then go to a dealership which has the VIN # of your car and licenseplate, and then pays for repairs w/ a stolen card? I guess enough do.

The only times it's been inconvenient, and it's also happened a few times, is at the register they'll do the authorization check and it'll get a "please call this number" flag. Then they have to call the verification company and usually they just check the ID and DL# and you are good to go. Last time, they made them put me on the phone and they asked for my mothers maiden name and last 4 digits of my SS #. That was for a $300 (or so) purchase of furniture at Sears. It's really not that bad except that you have to play games for 5minutes while other folks are generally standing in line getting frustrated.

So, it depends on the verification company and your CC company as to what would happen if you went out on a shopping spree... but it's never prevented me from buying anything.

 

[StageLeft]

Originally posted by: dman6666
On more than one occasion my CC company has called and left messages that there were a few large purchases on my card that day and they wanted to make sure there was no Fradulent activity and for me to call them at my convenience. On those occasions, it was me who made the large purchases.

A long time ago I was declined from making a payment to a dealership using my credit card. That Pissed me off, how many people steal credit cards and then go to a dealership which has the VIN # of your car and licenseplate, and then pays for repairs w/ a stolen card? I guess enough do.

The only times it's been inconvenient, and it's also happened a few times, is at the register they'll do the authorization check and it'll get a "please call this number" flag. Then they have to call the verification company and usually they just check the ID and DL# and you are good to go. Last time, they made them put me on the phone and they asked for my mothers maiden name and last 4 digits of my SS #. That was for a $300 (or so) purchase of furniture at Sears. It's really not that bad except that you have to play games for 5minutes while other folks are generally standing in line getting frustrated.

So, it depends on the verification company and your CC company as to what would happen if you went out on a shopping spree... but it's never prevented me from buying anything.

Man that's some anal shizzy! I moved to the country last year and 4 months later got my first American credit card with a limit of $2500. About two weeks later I went to the bank and cash advanced $2300 and that didn't even flag me down! MBNA is the best

 

[Don Vito Corleone]

I have never received these kinds of calls, for whatever reason. I recently went to Brazil with my dad, and his credit card issuer (I think it was Citibank) put a temporary freeze on his card due to the very high incidence of credit card fraud coming out of Brazil, but USAA did not impose any limitation at all on my platinum Visa. I'm not sure which I prefer - I suppose I would rather NOT have these kinds of limitations, since I would not be required to pay for any fraudulent charges.

 

[SinnerWolf]

most CC companies also have spending/charging profile software setup. It monitors your purchasing habits, as to how often you order things, from where, how much, and what type. They have a certain amount of deviation within each category of course, but it's a good failsafe imo. I've had my info stolen twice...once from a crooked cashier at compusa, and another from a hacked online DB site i ordered stuff from. Both times, i got phone calls asking me to verify the purchases. The compusa guy had tried to order stuff from compusa.com, how lame. So then i decided to a get a secure credit card through a local bank (one that will only authorize purchases shipped to my billing address). So when the second one came around, who tried to order a bunch of random crap from autoparts.com, flowers.com, and some other no name sites i don't remember, it got red flagged and denied. But they called me up to inform me of what happened and issued me a new card. Go VISA!

 

[mchammer187]

happened to me last weekend bought Motherboard, RAM and NIC from someone w/ $200 paypal by my CC, then bought a HD from dell $90 and then a GF Ti4200, 2.0A northwood from googlegear.com

i had to go thru ten minutes of menus just to get my CC back online so frustrating

if they just let me talk to a CSR immediately instead of pulling that menu crap where i have to enter my CC# mother's maiden name

SS# birthdate and telephone number all from the fvcking keypad !@##$@#$

i hate automated systems just let me talk to a damn person that can fix the problem in one minute

BTW i have an MBNA credit card (First union Visa)

everthing was being shipped to my home address also

 

[ebaycj]

MBNA is the best.

MBNA is good in this regard, because they are one of the, if not the LARGEST supplier of college-age-student credit cards. They don't monitor any of their accounts, because they could care less. All they care about is getting college kids hooked on the credit card mentality. They also likely have too many accounts to do this kind of monitoring (at least the calling to ask you part).

Not to say that's bad, of course. They're 18 and should be able to handle a credit card. And MBNA's customer service is great when you call them.


so i guess if you dont want these hassles, get a card with MBNA / other major "college-age" credit card provider.

ebaycj

 

[PowerMac4Ever]

When I first got my CapitalOne Visa, I made two or three fairly large purchases and was called the next day. I told them the charges were mine and they never called me again. No biggie. My parents have gotten calls from American Express when making purchases out of the country. I've never charged my card out of the country, so I don't know what would happen there. But yeah, CapitalOne is alright.. bastards make you pay $8/month for online credit card statements though.

 

[StageLeft]

bastards make you pay $8/month for online credit card statements though.

HAHAHAHAHAHAHAHAHA HOLY SH*T that's BRUTAL. Totally brutal. Yet another reason to hate CO

 

[rahvin]

Originally posted by: mchammer187
happened to me last weekend bought Motherboard, RAM and NIC from someone w/ $200 paypal by my CC, then bought a HD from dell $90 and then a GF Ti4200, 2.0A northwood from googlegear.com

i had to go thru ten minutes of menus just to get my CC back online so frustrating

if they just let me talk to a CSR immediately instead of pulling that menu crap where i have to enter my CC# mother's maiden name

SS# birthdate and telephone number all from the fvcking keypad !@##$@#$

i hate automated systems just let me talk to a damn person that can fix the problem in one minute

BTW i have an MBNA credit card (First union Visa)

everthing was being shipped to my home address also

Bwahahahaha, don't punch anything or hit 0 or mash random numbers not in the list of posibilities. If you don't respond to the computer you get handed off to a real person to deal with.

 

[DeafeningSilence]

Originally posted by: ebaycj

so i guess if you dont want these hassles, get a card with MBNA / other major "college-age" credit card provider.

ebaycj

Non necessarily. I'm pretty sure you can request that your CC company not put you through the hassles. They do it as a favor to you, and you can decline if you want.

 

[Booster]

Originally posted by: DeafeningSilence

Originally posted by: ebaycj

so i guess if you dont want these hassles, get a card with MBNA / other major "college-age" credit card provider.

ebaycj

Non necessarily. I'm pretty sure you can request that your CC company not put you through the hassles. They do it as a favor to you, and you can decline if you want.

I second that. My thoughts exactly.