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My bank likes to disable my credit card for fraud each month when I make the same exact <10$ international transaction to the same exact company. After months
by soulofmischief 7y ago
My bank likes to disable my credit card for fraud each month when I make the same exact <10$ international transaction to the same exact company.
After months of this and a half an hour on the phone they told me I could just lift the auto-ban for the particular country so that I wouldn't have to spend half an hour on hold every single month for a recurring payment.
I said sure, and I was told to just send an email saying I approved of this just to confirm. The representative quickly tried to end the call after that, and I had to make her back up and explain exactly what I was confirming. She wouldn't just come out with it plainly, saying it was a simple lift of the ban for that country.
After enough prodding, she spilled that my confirmation meant that any transaction coming from that country would be considered pre-approved and not eligible for fraud prevention. I would be stuck with whatever charge came from anywhere an entire country, with no way to fight it.
She got angry with me for having a problem with this and caught an attitude, saying that it was unusual for people to either want to make international transactions at all or for them to care if they pre-approved an entire country for all payments. She couldn't understand what was wrong with this.
As far as I know... that's not even legal?
- crooked-v 7y agoSounds like it's time to switch credit card providers.
- soulofmischief 7y agoThis is my local credit union. I do not politically support any of the major banks and so that is not an option unfortunately.
- iliketosleep 7y agoThey should be able to whitelist transactions to that particular company on your account, rather than whitelisting transactions for an entire country. From my personal experience, the credit card anti-fraud measures are quite advanced and offer a high level of granularity. It's one of the few aspects of banking I've been highly satisfied with. I suspect you're just dealing with very poor customer service.
- soulofmischief 7y agoRight?? But I was told this wasn't possible. Supposedly my rep asked Accounting and this is what she was told.
- taneq 7y ago> it was unusual for people to either want to make international transactions at all or for them to care if they pre-approved an entire country for all payments What do people use credit cards for if not buying things from other countries? O.o
- komali2 7y agoA fee-free ATM that gets me airline points, when I buy my teammates lunch and have them give me cash / venmo me.
- Bjartr 7y agoIn person purchases they make during the course of a day?
- rtkwe 7y agoEveryday purchases because I get between 1-5% cash back and no fee or interest as I pay it off every month..
- soulofmischief 7y agoAnd in return, your purchase history is tracked, documented, and filed away for later integration into future social credit systems.
- rtkwe 7y agoOk, are you 100% cash then, because debit and check can also be used for a theoretical future dystopia
- soulofmischief 7y agoNo, but wouldn't that be nice. I do however try to limit my credit card usage to online purchases where it is unavoidable.
- sobani 7y ago
- mdekkers 7y agoYour bank lied to you, get another bank