credit card fraud protection

December 13, 2011

First Date Question / Damage Control!?

Filed under: Credit Card Fraud Protection — Tags: control, Damage, Date, First, Question — @ 4:22 pm

Question by Torie: First Date Question / Damage Control!?
So I just went on an awesome first date. He paid for dinner then we decided to go out for a bit after. When I went to pay with my credit card…it DENIED! MORTIFYING.Now let me tell you, there is no way that my card is anywhere near it’s limit. I just moved in to the state within the last two months and it’s tranquillized registered in the other state. I have been using it more frequently this past week, so my bank may have frozen it for fraud protection?I explained that to my date, used my debit card instead and he was tiptop nice about it…he yet just texted me now to tell me he had a good time tonight. But still, my cheeks are red! I’ve never had that happen before…and I definitely don’t want him thinking I’m careless with my money because that is certainly not the case.Is it worth bringing up to him/doing ‘damage control’ once I find out from the bank? Or because, he seemed to be cool about it, just let it be?Thanks!

Best answer:

Answer by jose
I consider you should let it be. Don’t dwell to practically on it, just show him you are responsible without actually telling him anything. Probably by paying with the same card some other time.

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December 12, 2011

Q&A: Why do people prefer American Express?

Filed under: Credit Card Fraud Protection — Tags: American, Express, People, prefer — @ 11:23 am

Question by Jared P: Why do people prefer American Express?
I work somewhere that populate make large purchases. A lot of times, this means they have to use a credit card. We only take Mastercard and Visa. From what I understand, they charge vendors less than Discover and American Express, thus why a lot of people don’t take AMX or Discover. People lull emanating flowing in wanting to pay with American Express. How can they still manage to be in business when so many people don’t accept them as a form of payment, and why do people still insist on using it? Is it prestigious? Are the rewards better? Better fraud protection? It seems to me that most of the cards have similar benefits now.

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Answer by Atimari
better rewards

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December 10, 2011

Anyone have any bad experience with PayPal ever?

Filed under: Credit Card Fraud Protection — Tags: anyone, ever, experience, Paypal — @ 1:20 am

Question by YupChubby: Anyone have any bad experience with PayPal ever?
Someone hacked their system and charged my credit card $ 1200.They refused to refund me the stolen moneys even though they caim protection against any fraud, Big Lie!Forgot to mention, my credit card institution refused to refund me any moneies saying it was Paypal obligation since they already claimed proclaimed Insurance protection.

Best answer:

Answer by mister_pisces
First question: Yes I have had many many problems with paypal. One being that when I use American Express I am not permitted to dispute any charges when someone does not fulfill their side of the contract. American Express says Paypal is the intermediary and they did everything they were supposed to. The person who didn’t was the seller, but the seller was not the person with the merchant account. I am sometimes able to do a paypal buyer protection claim, but only if the seller has 98% positive feedback and atleast 50 feedback (I think). Even if the purchase is eligible for the buyer protection, paypal will not refund the money, unless the seller has the money in their account. For example, If you send me $ 1000 via paypal for an ebay item, and I withdraw the money from paypal, you will not be able to do a buyer protection claim since the $ 1000 is no longer sitting in my account. Paypal will attempt to withdraw the money from my checking account, but if they are unsuccessful then you will be unsuccessful as well in trying to get your money back. Second question: You should be able to dispute the charges (even if you used American Express) because you never authorized the $ 1200. The only time you will have a problem disputing charges, is when you authorized the charge, but the seller sent you a rock or nothing, or a fake item, etc..Visa and Mastercard don’t seem to care that disputing charges is a violation of the TOS. So if you must use paypal, stick with them only. Never pay anyone with American Express. Never pay anyone with funding from your checking account (that is worse than AMEX), and most of all NEVER EVER EVER pay someone with paypal balance. That is the absolute worst of them all.. Don’t do it.Edit: If your credit card company won’t refund the money, then it is time for you to get a new credit card.. If they won’t refund the money now they also won’t refund the money if the card is stolen, etc.

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December 6, 2011

Why does it say to make sure the website begins with htts?

Filed under: Credit Card Fraud Protection — Tags: begins, Htts, sure, website — @ 10:24 am

Question by cougars43: Why does it say to make sure the website begins with htts?
So I was reading an oblige put on by yahoo, about Memorial Day Weekend sales, and it said to make sure the website asking for your credit card information begins with “htts” rather than “http”. Why is that? (You tin see the paragraph for yourself): Be smart about your identity. In general, online shopping is as safe–or safer–than in-person shopping, especially if you stick to name-brand stores. But to go the extra mile, always make sure that the Web page asking for credit card information begins with “https” instead of “http,” and E-mail the company with questions if you’re unsure. Most credit tease offer additional safety measures, such as 100 percent fraud protection. Just make sure to check your monthly statement when you get the bill and report whatsoever suspicious activity immediately.

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Answer by tkims
https just means that it’s a secured website.

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December 5, 2011

Do you think the government should create an agency to regulate credit?

Filed under: Credit Card Fraud Protection — Tags: agency, create, credit, government, regulate, should, think — @ 5:20 am

Question by : Do you think the government should create an agency to regulate credit?
Do you think it will help? Basically it’s a bill to create an agency to regulate creditors on the behalf of the consumer. “H.R. 3126 would create the Consumer Financial Protection Agency to oversee mortgages, credit cards and other bank products.” This was proposed Monday and is up for vote soon. (here’s the full bill if you’re legislation-savvy). http://www.congress.org/congressorg/webreturn/?url=http://thomas.loc.gov/cgi-bin/query/z?c111:H.R.3126:I’m torn. I think the government is TERRIBLE at regulation, and even worse at managing their own credit. Their goal is to make credit disclosers/terms clearer to the customer, but it seems like everything the government touches is INSTANTLY more complicated. And I don’t like the idea of one more government agency getting involved in & having access to our financial transactions. But I DO think protecting the consumer against fraud is a good idea. What do you think? Do you think this is pandora’s box or a blessing?Do you also think more regulation = less access to credit? and do you think that’ll add to our credit crisis?

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