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Why not just visa if amex is not accepted? They offer (at least mine done) the exact same purchase protection and I’ve called up my bank and had charges reverse

Why not just visa if amex is not accepted? They offer (at least mine done) the exact same purchase protection and I’ve called up my bank and had charges reversed too.

croutonwagon 6y ago
I have ever only had to do one chargeback on a Bank of America Visa. I think it’s still visa I dealt with and the process isn’t bank/carrier specific but I’m not sure. It was not fun. Took a very long time to open the case. Had to appeal a couple times and was a multiple week endeavor. A trip to Denver was an eye opener. We rented a car and charged it on Amex. Denver has a very weird toll setup that camera/LP reader based and weeks after we returned we started getting charges trickling in for the tolls, totalling a couple hundred bucks. But we had paid for a toll pass with the rental co. I called them and got nowhere fast. I called Amex, sent them the rental agreement and they reversed the charges and said they would handle it. Never had to think about it again and it was about 20 minutes of my time, mostly spent chatting while the scan of the rental agreement was sent to them. I still carry a visa for emergencies/just in case. I don’t carry a debit card and haven’t for a very long time. Just run it through credit and pay in full at the end of the month. Basically the only thing we do with a bank is pay the bills or deposit/withdraw cash. We try to keep a degree of separation from what we spend on, and where we hold our money (if that makes sense)
- katbyte 6y ago
  Guess it’s different with American banks, I’m Canadian so might be different (I know our debit cards are often very different) May I ask why you don’t carry a debit card? I find that very strange, how do you pull out money/purchase something at a store that doesn’t take either? Just avoid it?
  - vxNsr 6y ago
    what stores don't accept plastic? I've only had a few recently as a way to recoup some of the increased pandemic costs, and they do venmo/zelle. which might be outside of the apps' TOS but not really my problem.
    - katbyte 6y ago
      in canada quite a few stores (smaller corner stores or restaurants) do not take credit - debit or cash only because credit costs them too much in comparison. And in europe i've ran into it a number of times too.
- loeg 6y ago
  The chargeback process is with the bank. Your takeaway from this should be that Bank of America has crappier customer service than AmEx, which matches every report I've heard as well as my personal experience. Some premium cards have additional concierge features and your AmEx may have had that kind of thing re: the Denver experience.

Why not just visa if amex is not accepted? They offer (at least mine done) the exact same purchase protection and I’ve called up my bank and had charges reversed too.

croutonwagon 6y ago

I have ever only had to do one chargeback on a Bank of America Visa. I think it’s still visa I dealt with and the process isn’t bank/carrier specific but I’m not sure. It was not fun. Took a very long time to open the case. Had to appeal a couple times and was a multiple week endeavor. A trip to Denver was an eye opener. We rented a car and charged it on Amex. Denver has a very weird toll setup that camera/LP reader based and weeks after we returned we started getting charges trickling in for the tolls, totalling a couple hundred bucks. But we had paid for a toll pass with the rental co. I called them and got nowhere fast. I called Amex, sent them the rental agreement and they reversed the charges and said they would handle it. Never had to think about it again and it was about 20 minutes of my time, mostly spent chatting while the scan of the rental agreement was sent to them. I still carry a visa for emergencies/just in case. I don’t carry a debit card and haven’t for a very long time. Just run it through credit and pay in full at the end of the month. Basically the only thing we do with a bank is pay the bills or deposit/withdraw cash. We try to keep a degree of separation from what we spend on, and where we hold our money (if that makes sense)

katbyte 6y ago
Guess it’s different with American banks, I’m Canadian so might be different (I know our debit cards are often very different) May I ask why you don’t carry a debit card? I find that very strange, how do you pull out money/purchase something at a store that doesn’t take either? Just avoid it?
- vxNsr 6y ago
  what stores don't accept plastic? I've only had a few recently as a way to recoup some of the increased pandemic costs, and they do venmo/zelle. which might be outside of the apps' TOS but not really my problem.
  - katbyte 6y ago
    in canada quite a few stores (smaller corner stores or restaurants) do not take credit - debit or cash only because credit costs them too much in comparison. And in europe i've ran into it a number of times too.
loeg 6y ago
The chargeback process is with the bank. Your takeaway from this should be that Bank of America has crappier customer service than AmEx, which matches every report I've heard as well as my personal experience. Some premium cards have additional concierge features and your AmEx may have had that kind of thing re: the Denver experience.