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The solution to "Fraud Freaking"

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Old Mar 28, 2014 | 7:59 am
  #16  
 
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Quit the complaining! If you had only just called your bank first and explained that you were going to make a large drug purchase, obtain a ton of money orders and stuff a lot of money in your bank account, your problems would be over!

Originally Posted by diamondeye
...Ok, I may get snark for this, but it puts the ideas out there. If there is a highly trafficked credit card blog out there where this would be more appropriate, I'm all ears....
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Old Mar 28, 2014 | 8:32 am
  #17  
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Originally Posted by AlohaDaveKennedy
Quit the complaining! If you had only just called your bank first and explained that you were going to make a large drug purchase, obtain a ton of money orders and stuff a lot of money in your bank account, your problems would be over!
You rock ADK!!!
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Old Mar 28, 2014 | 9:08 am
  #18  
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Originally Posted by diamondeye
...And anyone who says they don't care at all what others think about them is deluded.
Anyone who thinks all others share their particular insecurities is deluded. "Humiliate"? Really? It's mild embarrassment at best.

I don't bother with calling in at the store. If my card is declined, I just pull out another one and figure it out later. I'd rather not hold up the line.
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Old Mar 28, 2014 | 9:30 am
  #19  
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Originally Posted by skibum7732
so you spent 15 minutes on the phone before getting a fraud alert to save face....curious why it took 3 reps and 15 minutes but ok. Anyway, they can be cleared typically in a few seconds and I personally could care less what others think about me
Originally Posted by diamondeye
I spent 15 minutes on the phone so my purchase would go through, which they still managed to bungle. And anyone who says they don't care at all what others think about them is deluded.
You've obviously never seen his posts about what he does in Bangkok.
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Old Mar 28, 2014 | 9:31 am
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delete

Last edited by brn4; Jul 31, 2014 at 10:53 am
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Old Mar 28, 2014 | 9:42 am
  #21  
 
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Originally Posted by diamondeye
It's called "Fraud Freak" it happened to me twice today, for transactions that were each less than 7% of my gross monthly pay
more like Diva Freak
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Old Mar 28, 2014 | 10:11 am
  #22  
 
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Originally Posted by daprophecy
I had that happen with my citi card. I called and they said you are good to go. As soon as I swiped they declined and fraud alert. I called right away and he cleared it and stayed on the call till I swiped again. I find it annoying but not embarrassing. I guess I would rather be safe than sorry.
'Alternate tender required' happened to me at CVS regularly and randomly twice(+) every month for 12 months, I had been tolerant because had 5 TY points offer. The offer expired, last week I cut the card in 2 pieces no more "Fraud Freaking"!
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Old Mar 28, 2014 | 10:54 am
  #23  
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Originally Posted by brn4
The easiest way to stop getting fraud alerts is to not mix in small everyday purchases on your ms cards. This point has been made many times on this forum. Only do large ms purchases to set up a pattern on the card. You will probably get fraud alerts for the first few times but afterwards will not get anymore.
I believe this is true for fraud alerts. But in terms of the rules in place to identify us rewards abusers, mixing in smaller purchases might help. All large purchases at bonus categories is definitely going to hit any basic algorithm.
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Old Mar 28, 2014 | 3:51 pm
  #24  
 
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Originally Posted by PaulMSN
Originally Posted by diamondeye
...And anyone who says they don't care at all what others think about them is deluded.
Anyone who thinks all others share their particular insecurities is deluded. "Humiliate"? Really? It's mild embarrassment at best.

I don't bother with calling in at the store. If my card is declined, I just pull out another one and figure it out later. I'd rather not hold up the line.
Agreed. I've never felt humiliated or even embarrassed. I'm usually worried that the manager will say that the decline proves a particular product is cash only...
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Old Mar 28, 2014 | 5:55 pm
  #25  
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Originally Posted by hamhead
It doesn't bother me. It is rare that I get a fraud notification, it only takes a minute of my time to clear. I just say "Sorry, my card was declined for possible fraud" and rectify the situation.
Well, obviously you aren't using a US Bank FlexPerks card then
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Old Mar 28, 2014 | 7:09 pm
  #26  
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Chip and PIN will do nothing in this country with the amount of credit card fraud. Zero, zip, nada.

People believe Chip and PIN simply eliminates Fraud. That doesn't stop anyone from using a credit card online.
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Old Mar 28, 2014 | 8:19 pm
  #27  
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Originally Posted by Slickw
You've obviously never seen his posts about what he does in Bangkok.
lol, just got back from 3 weeks in Pattaya...skipped BKK due to protest situation. Wife and I love Thailand for so many reasons, which is why we've been there 5x in past 13 months

FWIW...I truly do not care what anyone thinks...I may be deluded but that is fine by me, but deluded is much better than insecure IMHO

Last edited by skibum7732; Mar 28, 2014 at 8:28 pm
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Old Mar 29, 2014 | 1:16 am
  #28  
 
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Originally Posted by dfwgolfer1
Chip and PIN will do nothing in this country with the amount of credit card fraud. Zero, zip, nada.

People believe Chip and PIN simply eliminates Fraud. That doesn't stop anyone from using a credit card online.
It will reduce certain kinds of fraud, in the UK and other countries fraud rates decreased after transition. It will do nothing for card not present fraud as you said however.
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Old Mar 29, 2014 | 6:29 am
  #29  
 
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Meh - one night in Bangkok and the world's your oyster! Where do you stay in Pattaya? So far we have found the Hilton most convenient.


Originally Posted by skibum7732
lol, just got back from 3 weeks in Pattaya...skipped BKK due to protest situation. Wife and I love Thailand for so many reasons, which is why we've been there 5x in past 13 months

FWIW...I truly do not care what anyone thinks...I may be deluded but that is fine by me, but deluded is much better than insecure IMHO
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Old Mar 29, 2014 | 6:38 am
  #30  
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Originally Posted by brn4
The easiest way to stop getting fraud alerts is to not mix in small everyday purchases on your ms cards. This point has been made many times on this forum. Only do large ms purchases to set up a pattern on the card. You will probably get fraud alerts for the first few times but afterwards will not get anymore.
Not my experience at all. I've never met a spend requirement solely through MS. I run a lot of everyday spend alongside MS. I might have $9 on the card from my lunch purchase just before going to CVS. Fraud alerts generally happen for me the very first time I use a card for MS; once I've confirmed the purchase, I've never had another issue with that particular card.
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