22 replies to this topic

[hegemony]

http://consumerist.c...t-your-sick-dog

[I Need help too]

At this time, its not wise to call CC companies and ask questions like she did......Should have went online and looked up the availible credit....Sad though

[Revike]

They not only "don't care" - they might do worse.

Remember what they did to a customer's turtle?

http://creditboards....howtopic=379227

[philly_mscl]

If you used a debit card, this would not happen.

The vet would have released Fluffles and you would be home within an hour.

[drkaje]

Like a card company is really supposed to car about someone's dog, LOL!

The only issue here: why did Amex take the AA?

[Marty716]

"American Express...Don't leave home with it!"

[Revike]

Like a card company is really supposed to car about someone's dog, LOL!

The only issue here: why did Amex take the AA?

I have no doubt it is AmEx's policy for CSRs to refer an account for review if a cardholder calls and asks any variation of the question "how much available credit do I have?". Just another case to add to the list, like the people who were on vacation out of the country, or the people who were on their honeymoon, and in both cases had called ahead to advise AmEx of their plans, but still had their accounts suspended.

George could tell her what happens when you call AmEx for a responsible proactive reason ...

Edited by Revike, 08 August 2009 - 05:51 PM.

[drkaje]

Like a card company is really supposed to car about someone's dog, LOL!

The only issue here: why did Amex take the AA?

I have no doubt it is AmEx's policy for CSRs to refer an account for review if a cardholder calls and asks any variation of the question "how much available credit do I have?". Just another case to add to the list, like the people who were vacation out of the country, or the people who were on their honeymoon, and in both cases had called ahead to advise AmEx of their plans, but still had their accounts suspended ...

My guess? Calling to ask "how much available credit do I have" is a huge red flag for them.

[quidnam]

My guess? Calling to ask "how much available credit do I have" is a huge red flag for them.

It's not quite as bad as calling your insurance company to ask if they pay out in the event of suicide, but it's the same idea.

Some people haven't come to terms with the fact that they are in a potentially adversarial (if sometimes mutually beneficial) position relative to the bank. You are a counterparty, and they are not going to ignore risk signals from a counterparty.

[webworm98]

They not only "don't care" - they might do worse.

Remember what they did to a customer's turtle?

http://creditboards....howtopic=379227

That post your link it posting is sick (Not the person posting it). I know it is a joke but it in bad taste. That going to give me nightmares now. I care about animals.


On topic
I wonder if you told them your going on a trip, then they deny you to use the use of a card when you get there. Some people still thing debit cards suck, go figure.

Edited by webworm98, 08 August 2009 - 09:19 PM.

[GEORGE]

"American Express...Don't leave home with it!"

AMEX CUSTOMER???

DON'T LEAVE HOME WITH-OUT VISA or MC or DISCOVER

[Centrip]

My vet doesn't take AMEX and probably a good thing.

[Marty716]

"American Express...Don't leave home with it!"

AMEX CUSTOMER???

DON'T LEAVE HOME WITH-OUT VISA or MC or DISCOVER

[webworm98]

If you used a debit card, this would not happen.

The vet would have released Fluffles and you would be home within an hour.

That depends on what you daily authorization limit is. They range from $300.00 to no limit. Depends on the bank.

Edited by webworm98, 08 August 2009 - 09:23 PM.

[nothingtolose]

Same could have happened with any major charge (not necessarily at a vet's office) on any major bank CC like BOA CCs for example.
I've put big charges on Amex that didn't get flagged and had small ones get flagged by fraud department (had to call in).
Fraud prevention aside, sounds like any unusual activity can set off their credit dept/CLD'ers.
With any issuer these days YMMV.
==>Carry a backup. I am surprised the vet even accepts Amex (merchant fees).

[improper_validation]

If you used a debit card, this would not happen.

The vet would have released Fluffles and you would be home within an hour.

$1100 would probably exceed the daily limit or trigger a fraud alert(with the bank or CU).

[AllThePotential]

I thought daily limits on Debit Cards were only used for the ATMs..

Never knew you had a daily limit on a regular transaction.


Wonder if i even have one....

[GEORGE]

I thought daily limits on Debit Cards were only used for the ATMs..

Never knew you had a daily limit on a regular transaction.


Wonder if i even have one....

I run into issues with customers all the time at CHRISTMAS TIME (especially BLACK FRIDAY)

You can have a NUMBER OF TRANSACTIONS LIMIT

You can also have a TOTAL SALE LIMIT

AT P.O.S.

[webworm98]

I thought daily limits on Debit Cards were only used for the ATMs..

Never knew you had a daily limit on a regular transaction.


Wonder if i even have one....

What is even worse it varies by bank.

Limit One example:

Atm transactions limit
pin purchase limit (usually lower)
signature purchase limit

Limit two example:

Atm transactions limit
pin & signature purchase limit (The same)

Limit three example
Limit to how many times you can swipe the card in a day but that is rare.

Most banks consider the atm limit separate from the daily pos limits but a few dont.

Edited by webworm98, 11 August 2009 - 07:22 AM.

[webworm98]

I thought daily limits on Debit Cards were only used for the ATMs..

Never knew you had a daily limit on a regular transaction.


Wonder if i even have one....

I run into issues with customers all the time at CHRISTMAS TIME (especially BLACK FRIDAY)

You can have a NUMBER OF TRANSACTIONS LIMIT

You can also have a TOTAL SALE LIMIT

AT P.O.S.

George what does the terminal say, when someone goes over their daily limit or transaction limit?

George, I dont know if the place you work takes pin and signature debit cards.

If this happens again.
If ran through as a signature transaction, have the customer run it through as a pin
If ran through as a pin transactions, have the customer run it through as a signature.

Like I said in my other post, some banks have different limits for pin and signature.

Edited by webworm98, 11 August 2009 - 07:33 AM.

[GEORGE]

I thought daily limits on Debit Cards were only used for the ATMs..

Never knew you had a daily limit on a regular transaction.


Wonder if i even have one....

I run into issues with customers all the time at CHRISTMAS TIME (especially BLACK FRIDAY)

You can have a NUMBER OF TRANSACTIONS LIMIT

You can also have a TOTAL SALE LIMIT

AT P.O.S.

George what does the terminal say, when someone goes over their daily limit or transaction limit?

George, I dont know if the place you work takes pin and signature debit cards.

If this happens again.
If ran through as a signature transaction, have the customer run it through as a pin
If ran through as a pin transactions, have the customer run it through as a signature.

Like I said in my other post, some banks have different limits for pin and signature.

CARD ISSUER DENIED THE SALE

[WBOTM]

If you used a debit card, this would not happen.

The vet would have released Fluffles and you would be home within an hour.

Unless the customer did not have the money in his/her checking/savings to pay for the visit to the vet. . .

[TampaDude]

If you used a debit card, this would not happen.

The vet would have released Fluffles and you would be home within an hour.

Unless the customer did not have the money in his/her checking/savings to pay for the visit to the vet. . .

Euthanasia doesn't cost that much.