4 ms·

Wait so if you have a "backup" card in case of emergency, the chances are it'll fail anyway? I kinda hate this stuff where we have to guess at how some company'

by smcl 3y ago

Wait so if you have a "backup" card in case of emergency, the chances are it'll fail anyway? I kinda hate this stuff where we have to guess at how some company's internal mystery processes work to actually use their service :-/

phpisthebest 3y ago
I have this problem all the time with the HSA card (or did until i changed providers) I would rarely use it, but then I would try to pay for something with it and it would be declined, when I called they always said it was "suspended due to inactivity"
- JKCalhoun 3y ago
  So Yogi Berra works in the security department, not letting you use your card because you never use your card. I love the self-reinforcing nature of it.
- danaris 3y ago
  That's particularly egregious—what percentage of people with an HSA or similar is likely to be spending money from it more than once every few months??
  - MereInterest 3y ago
    If you have a periodic prescription, then that may require the HSA every time you pick up the prescription.
bombcar 3y ago
Yes, if you want to have a "backup" card make sure you use it somewhat regularly. So for example, a backup card you use for gas only, or a store-branded Mastercard that you only usually use at that store. You still run the risk of a block, but it's reduced.
pasc1878 3y ago
Yes but it is not hard to get it back - you have to contact the bank In emergency you need to contact your bank. I have had my card declined several times Once on travel to USA - I probably should have told them before - in this case I had to phone them an international call and it was immediately reinstated. They also denied a payment when it was in a place accross the country from my normal use, which wa good as it was not me trying to use it. Basically if your spending is abnormal - e.g. in a different place or for a large amount then you might have to confirm the payment. The benefit is the bank is able to stop more fraud.

by smcl 3y ago

phpisthebest 3y ago

I have this problem all the time with the HSA card (or did until i changed providers) I would rarely use it, but then I would try to pay for something with it and it would be declined, when I called they always said it was "suspended due to inactivity"

JKCalhoun 3y ago
So Yogi Berra works in the security department, not letting you use your card because you never use your card. I love the self-reinforcing nature of it.
danaris 3y ago
That's particularly egregious—what percentage of people with an HSA or similar is likely to be spending money from it more than once every few months??
- MereInterest 3y ago
  If you have a periodic prescription, then that may require the HSA every time you pick up the prescription.

bombcar 3y ago

Yes, if you want to have a "backup" card make sure you use it somewhat regularly. So for example, a backup card you use for gas only, or a store-branded Mastercard that you only usually use at that store. You still run the risk of a block, but it's reduced.

pasc1878 3y ago

Yes but it is not hard to get it back - you have to contact the bank In emergency you need to contact your bank. I have had my card declined several times Once on travel to USA - I probably should have told them before - in this case I had to phone them an international call and it was immediately reinstated. They also denied a payment when it was in a place accross the country from my normal use, which wa good as it was not me trying to use it. Basically if your spending is abnormal - e.g. in a different place or for a large amount then you might have to confirm the payment. The benefit is the bank is able to stop more fraud.