for U.S. residents who frequently travel int'l
Jun 8, 2014, 5:01 pm
#31
Join Date: Jul 2012
Location: Canada
Programs: BA Gold (OWE), Star Alliance Gold, Hilton Diamond
Posts: 2,194
If they use Falcon or ACI for fraud prevention, it should be able to unless they are running very out of date software (Atleast 9 or 10 years).
Jun 8, 2014, 7:33 pm
#32
Join Date: Jul 2007
Programs: HH Diamond
Posts: 221
Do you use the same credit card you use to buy the airline ticket? I've always wondered if (and if not, why not) credit card companies use the data from purchases of airline tickets to figure out that if I buy a ticket with an itinerary putting me in Turkey for two weeks in July, I'm probably going to be charging stuff in Turkey for two weeks in July. That's not a very complicated data mining technique after all.
Jun 8, 2014, 9:29 pm
#33
Join Date: Nov 2012
Posts: 3,537
Jun 8, 2014, 9:40 pm
#34
Join Date: Sep 2013
Location: MSN
Programs: AA, BAEC Gold
Posts: 3,929
Do you use the same credit card you use to buy the airline ticket? I've always wondered if (and if not, why not) credit card companies use the data from purchases of airline tickets to figure out that if I buy a ticket with an itinerary putting me in Turkey for two weeks in July, I'm probably going to be charging stuff in Turkey for two weeks in July. That's not a very complicated data mining technique after all.
Jun 8, 2014, 9:50 pm
#35
Join Date: Nov 2012
Posts: 3,537
It would seem an obvious thing to do. I have wondered whether they look at car rentals since they require an ID. The one time we had a card stolen it happened just after my wife had rented a car and the cc company picked it up in less than two hours (and before she knew she had lost it), possibly because a gasoline purchase for a newly rented car was suspicious, so just knowing you are in an area doesn't mean that they won't check.
Likewise, even chip and PIN is POTENTIALLY fraudulent. The odds become even lower, but it's possible.
The key is to have a false detection rate for fraud that is extremely low, which it sounds like the OP's bank fails miserably at achieving.
Jun 8, 2014, 11:05 pm
#36
Join Date: Dec 2013
Posts: 234
Had the same problems with my chase ink bold. I specifically called them ahead of Time, land and go to the rental car and DENIED. Had to use my roaming for a 10 min call to sort it out, which was infuriating.
Wife did the same with her aa exec citi card, and had no problems.
Wife did the same with her aa exec citi card, and had no problems.
Jun 8, 2014, 11:56 pm
#37
Join Date: Nov 2012
Posts: 3,537
Had the same problems with my chase ink bold. I specifically called them ahead of Time, land and go to the rental car and DENIED. Had to use my roaming for a 10 min call to sort it out, which was infuriating.
Wife did the same with her aa exec citi card, and had no problems.
Wife did the same with her aa exec citi card, and had no problems.
Jun 9, 2014, 1:20 am
#38
Join Date: Aug 2008
Programs: HHonors Gold, Marriott Lifetime Gold, IHG Gold, OZ*G, AA Gold, AS MVP
Posts: 1,874
At least Chase can tell. I had a Starbucks here in China try to run my CSP as a fallback (didn't look for a chip, just swiped and pushed "no" when the terminal asked if the card had a chip). The terminal errored out with "Issuer does not support this transaction type".
Jun 9, 2014, 1:28 am
#39
FlyerTalk Evangelist
Join Date: Sep 1999
Location: New York, NY, USA
Posts: 12,482
Jun 9, 2014, 1:50 am
#40
Join Date: Nov 2012
Posts: 3,537
Jamar, that doesn't mean the issuer used that same data for fraud detection purposes, though. But they probably do.
Jun 9, 2014, 5:27 am
#41
Join Date: Apr 2002
Posts: 2,949
I've had the greatest issues with Wells Fargo, as I can't even leave the state I reside in without my account being frozen. Usually the first out-of-state charge goes through, but the second one is denied, and the account is frozen. I have to always call them before I leave home. Last week I cancelled the card.
I have never had an issue with AmEx. I never have to pre-warn them that I'm leaving the country, and have never had my account frozen. I've been all over the globe with the card, and never an issue.
I have never had an issue with AmEx. I never have to pre-warn them that I'm leaving the country, and have never had my account frozen. I've been all over the globe with the card, and never an issue.
Jun 9, 2014, 9:24 am
#42
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,956
Jun 9, 2014, 11:27 am
#43
Join Date: Jul 2006
Location: LAX
Programs: AA EXP 1.5MM, Asiana Club Silver, KE Morning Calm, Hyatt Platinum, Amtrak Select
Posts: 7,161