6 ms·

Non-US credit or debit card owners are not in that good position wrt. disputes and getting their money back. Most of them charge for disabling the card and send

by isoos 7y ago

Non-US credit or debit card owners are not in that good position wrt. disputes and getting their money back. Most of them charge for disabling the card and sending a new one. Dispute last for months, and are not automatically protecting the customer.

nothrabannosir 7y ago
This is the first time I hear about this for UK. The chargeback rules are set by the network , i.e. MasterCard, Visa (sure Amex as well but they are both issuer , acquirer and network so that’s perhaps an unfair example). Is there a different rule set for MC USA vs MC rest of the world? I worked for a fraud detection company in the UK that existed precisely because chargebacks work so well, here. So this is definitely news to me.
- atemerev 7y ago
  Yes, there is a world beyond US and UK. Customer support in, say, France is next to nonexistent compared to US and UK standards. Not to mention non-Western countries (where Visa and MasterCard still work, but the quality of service differs dramatically). I am Russian living in Switzerland, who speaks English and shops at Amazon/US. It creates all sorts of fun.
- deleted 7y ago
  [deleted]
- bluGill 7y ago
  Laws in each country are different. In the US that is not just a network rule it is a law. In many other countries they are just rules that can change at any time. Check with your local country's laws as each are different. I would expect that the network's rules are in large part the intersection of the laws in every country they operate in - one set of rules is easier to track than trying to figure out which countries laws might be in effect (with disastrous consequences if they get it wrong). Don't get me wrong, sometimes the networks rules are stronger than the laws for other reasons. Last I checked in the US the customer was legally out $50 in case of fraud, but all networks reduced it to zero figuring if they were already out potentially a large sum of money they may as well eat the last $50 too for goodwill reasons.
  - colejohnson66 7y ago
    They’re only out $50 for debit accounts. Credit accounts, you’re not liable for anything.
toss1 7y ago
Sad to hear that about Non-US card owners. In the US, I've had just the opposite experience. E.g., with AmEx, I had suspicious charges and before I even finished the description the agent interrupted me and said the charge and my card were both already cancelled and new card w/new numbers was already on the way via FedEx. I'm not quite sure what pattern the agent recognized, but she sure didn't like it and they weren't going to put up with it for a second. I'm not sure why it wouldn't be in their interest to be this vigilant globally...
- atemerev 7y ago
  There are huge culture differences in different parts of the world, and no such thing as "global companies" -- local offices are staffed with locals. US customer support is probably the best in the world, only Japan could be a valid contender here. The rest of us have to suffer.
  - toss1 7y ago
    Interesting, and perhaps not surprising since a college acquaintance once told me (quite some years ago) that AmEx would only cancel your card in one country at a time. Seems he'd had some trouble in Europe (parents shut off funds or something), and while making his way home before eventually getting it sorted out, discovered that little tidbit.

by isoos 7y ago

nothrabannosir 7y ago

This is the first time I hear about this for UK. The chargeback rules are set by the network , i.e. MasterCard, Visa (sure Amex as well but they are both issuer , acquirer and network so that’s perhaps an unfair example). Is there a different rule set for MC USA vs MC rest of the world? I worked for a fraud detection company in the UK that existed precisely because chargebacks work so well, here. So this is definitely news to me.

atemerev 7y ago
Yes, there is a world beyond US and UK. Customer support in, say, France is next to nonexistent compared to US and UK standards. Not to mention non-Western countries (where Visa and MasterCard still work, but the quality of service differs dramatically). I am Russian living in Switzerland, who speaks English and shops at Amazon/US. It creates all sorts of fun.
deleted 7y ago
[deleted]
bluGill 7y ago
Laws in each country are different. In the US that is not just a network rule it is a law. In many other countries they are just rules that can change at any time. Check with your local country's laws as each are different. I would expect that the network's rules are in large part the intersection of the laws in every country they operate in - one set of rules is easier to track than trying to figure out which countries laws might be in effect (with disastrous consequences if they get it wrong). Don't get me wrong, sometimes the networks rules are stronger than the laws for other reasons. Last I checked in the US the customer was legally out $50 in case of fraud, but all networks reduced it to zero figuring if they were already out potentially a large sum of money they may as well eat the last $50 too for goodwill reasons.
- colejohnson66 7y ago
  They’re only out $50 for debit accounts. Credit accounts, you’re not liable for anything.

toss1 7y ago

Sad to hear that about Non-US card owners. In the US, I've had just the opposite experience. E.g., with AmEx, I had suspicious charges and before I even finished the description the agent interrupted me and said the charge and my card were both already cancelled and new card w/new numbers was already on the way via FedEx. I'm not quite sure what pattern the agent recognized, but she sure didn't like it and they weren't going to put up with it for a second. I'm not sure why it wouldn't be in their interest to be this vigilant globally...

atemerev 7y ago
There are huge culture differences in different parts of the world, and no such thing as "global companies" -- local offices are staffed with locals. US customer support is probably the best in the world, only Japan could be a valid contender here. The rest of us have to suffer.
- toss1 7y ago
  Interesting, and perhaps not surprising since a college acquaintance once told me (quite some years ago) that AmEx would only cancel your card in one country at a time. Seems he'd had some trouble in Europe (parents shut off funds or something), and while making his way home before eventually getting it sorted out, discovered that little tidbit.