CONSOLIDATED - What is the best travel credit card from India now
May 6, 2012, 1:16 pm
#46
Join Date: Jun 2011
Location: Philadelphia, PA
Programs: AMEX Cent AU, UA Plat, 9W Plat, Amtrak S+, HHonors Slv
Posts: 477
Does India have the Amex Gold PR card? MR points are a lot easier to accrue there, and you also get the 6 month upgrade to Platinum if you want it (but don't think your initial credit score can get it for you).
May 6, 2012, 10:54 pm
#47
Original Poster
Join Date: Dec 2010
Location: www.livefromalounge.com
Programs: AA, BASilver, TajICGold, MarriottPlatinum,HyattGlobalist, EYGold, AI
Posts: 2,215
nope. i'd love for them to have a card which makes 3x on air travel and 2x on groceries and gas like they do now. instead, it is 1x on everything and .5x on utilities and bills
May 8, 2012, 10:28 pm
#49
FlyerTalk Evangelist
Join Date: Apr 2009
Location: India
Programs: Bonvoy Lifetime Titanium, IHG Plat, HH Gold, Trident Plat, DL Diamond, AI Maharajah
Posts: 29,668
i have never had a problem as well but last year someone used my wife's card for a bunch of purchases totaling over $4k....i eventually managed to get the charges reversed but it was a pain in the a$$....
May 8, 2012, 10:47 pm
#50
Join Date: Sep 2005
Location: BOM-SIN-EWR
Programs: UA*G (1K again), Sixt Plat, *was*: SQ QPP01 & SK EBS/EBG, LH SEN, AA EXP, 9wPlat
Posts: 8,606
(Amex is a problem, due to their lack of online authentication)
May 8, 2012, 11:11 pm
#51
Original Poster
Join Date: Dec 2010
Location: www.livefromalounge.com
Programs: AA, BASilver, TajICGold, MarriottPlatinum,HyattGlobalist, EYGold, AI
Posts: 2,215
amex has online authentication, however, with an address based system rather than a MC/V kinda online authentication system. however, amex is the easiest to reverse as well.
May 8, 2012, 11:19 pm
#52
Original Poster
Join Date: Dec 2010
Location: www.livefromalounge.com
Programs: AA, BASilver, TajICGold, MarriottPlatinum,HyattGlobalist, EYGold, AI
Posts: 2,215
in over 12 years of using CCs, my first time with a dispute as well
May 9, 2012, 6:08 am
#53
Join Date: Jun 2011
Location: Philadelphia, PA
Programs: AMEX Cent AU, UA Plat, 9W Plat, Amtrak S+, HHonors Slv
Posts: 477
Barring my current tiff with Amex over getting hit with the FR process (which is technically my own fault), they've always been fantastic with Customer Service and helping me out with various odds and ends.
I once even had a thing where my (almost new, at the time) Blackberry 9100 got stolen off of a table at the library. They promptly suspended the transaction as part of the purchase protection plan, and worked with the police to track down the phone.
Not only did they eventually find (and charge) the person who stole it with the crime, but they were also gracious enough to take on all the costs from the investigation. Certainly not much for them in the grand scheme of things, but it certainly was something that made me feel secure as a customer.
Had they just handled the notification of my FR right now better (and not threatened me on the phone), I would have been a lot more receptive to it. Either way, all's well that ends well.
I once even had a thing where my (almost new, at the time) Blackberry 9100 got stolen off of a table at the library. They promptly suspended the transaction as part of the purchase protection plan, and worked with the police to track down the phone.
Not only did they eventually find (and charge) the person who stole it with the crime, but they were also gracious enough to take on all the costs from the investigation. Certainly not much for them in the grand scheme of things, but it certainly was something that made me feel secure as a customer.
Had they just handled the notification of my FR right now better (and not threatened me on the phone), I would have been a lot more receptive to it. Either way, all's well that ends well.
May 9, 2012, 9:19 am
#54
Original Poster
Join Date: Dec 2010
Location: www.livefromalounge.com
Programs: AA, BASilver, TajICGold, MarriottPlatinum,HyattGlobalist, EYGold, AI
Posts: 2,215
May 9, 2012, 9:26 am
#55
Join Date: Jun 2011
Location: Philadelphia, PA
Programs: AMEX Cent AU, UA Plat, 9W Plat, Amtrak S+, HHonors Slv
Posts: 477
FR is the financial review process. It happens (at least in the US) when AMEX wants to re-verify that you are eligible for their cards and are in a position to responsibly handle the credit lines that they extended to you. They pull your tax records, bank statements, and other documents, as needed, and if you don't comply, they just terminate their relationship with you on the spot, resulting in a big black mark on your credit history.
May 9, 2012, 10:05 am
#56
Original Poster
Join Date: Dec 2010
Location: www.livefromalounge.com
Programs: AA, BASilver, TajICGold, MarriottPlatinum,HyattGlobalist, EYGold, AI
Posts: 2,215
FR is the financial review process. It happens (at least in the US) when AMEX wants to re-verify that you are eligible for their cards and are in a position to responsibly handle the credit lines that they extended to you. They pull your tax records, bank statements, and other documents, as needed, and if you don't comply, they just terminate their relationship with you on the spot, resulting in a big black mark on your credit history.
May 9, 2012, 9:04 pm
#57
Join Date: Apr 2010
Programs: AI Gold, TK Gold, QR Silver, 9W BluePlus
Posts: 394
Barring my current tiff with Amex over getting hit with the FR process (which is technically my own fault), they've always been fantastic with Customer Service and helping me out with various odds and ends.
I once even had a thing where my (almost new, at the time) Blackberry 9100 got stolen off of a table at the library. They promptly suspended the transaction as part of the purchase protection plan, and worked with the police to track down the phone.
Not only did they eventually find (and charge) the person who stole it with the crime, but they were also gracious enough to take on all the costs from the investigation. Certainly not much for them in the grand scheme of things, but it certainly was something that made me feel secure as a customer.
Had they just handled the notification of my FR right now better (and not threatened me on the phone), I would have been a lot more receptive to it. Either way, all's well that ends well.
I once even had a thing where my (almost new, at the time) Blackberry 9100 got stolen off of a table at the library. They promptly suspended the transaction as part of the purchase protection plan, and worked with the police to track down the phone.
Not only did they eventually find (and charge) the person who stole it with the crime, but they were also gracious enough to take on all the costs from the investigation. Certainly not much for them in the grand scheme of things, but it certainly was something that made me feel secure as a customer.
Had they just handled the notification of my FR right now better (and not threatened me on the phone), I would have been a lot more receptive to it. Either way, all's well that ends well.
May 9, 2012, 11:46 pm
#58
Join Date: Sep 2005
Location: BOM-SIN-EWR
Programs: UA*G (1K again), Sixt Plat, *was*: SQ QPP01 & SK EBS/EBG, LH SEN, AA EXP, 9wPlat
Posts: 8,606
We are talking about Indian-based CCs here...
May 10, 2012, 10:31 am
#59
Join Date: Jun 2011
Location: Philadelphia, PA
Programs: AMEX Cent AU, UA Plat, 9W Plat, Amtrak S+, HHonors Slv
Posts: 477
I knew that there were certain differences between the programs, but AMEX India doesn't offer purchase protection on the Gold and Platinum cards? That sucks. It's a huge part of why I've been a cardmember; just knowing that they've got my back is a huge relief!
May 13, 2012, 2:33 pm
#60
Original Poster
Join Date: Dec 2010
Location: www.livefromalounge.com
Programs: AA, BASilver, TajICGold, MarriottPlatinum,HyattGlobalist, EYGold, AI
Posts: 2,215
Citibank Premier Miles
Here is the 2nd in the series of this review posting: http://boardingarea.com/blogs/livefr...s-credit-card/