Chris Blunt wrote:
>On Fri, 14 Apr 2006 12:05:40 GMT, Rosalie B.
> wrote:
>
>>Icono Clast wrote:
>>
>>>Chris Blunt wrote:
>>>> Credit card companies build a profile of your normal card usage,
>>>> and in an attempt to prevent fraud, watch for unusual activity
>>>> that doesn't appear typical of your normal spending pattern. If
>>>> you try to use the card in a way that triggers their alarm bells
>>>> they'll do those kind of checks to make sure nobody else is trying
>>>> to use your card.
>>>
>>>Nonnymus wrote:
>>>> I suspect that had we driven there, charging gas and meals along
>>>> the way, it might have gone unchallenged.
>>>
>>>Really?
>>>
>>>Thrice in the past year or so, when I got home there were 'phone
>>>messages from the credit card companying checking on whether it was I
>>>using my card at out of town hotels.
>>>
>>>Those messages were followed-up by letters.
>>>
>>>Duh-uh.
>>>
>>>They knew where the card was being used (hotels) and should have
>>>contacted me where I was, not where I wasn't, i.e., at home.
>>>
>>If the use of the card was fraudulent by another person, you would not
>>have been at the hotel - you would have been at home.
>
>He may or may not have been at home. The point is that they needed to
>speak to the person using the card to verify that it was the
>authorised cardholder carrying out the transaction. The best way to do
>that would have been to ask the hotel who were requesting
>authorisation to put the customer on the line in order to answer some
>security questions.
>
They probably didn't catch it in time to do that.
It did happen that when we had sudden expenses of $10K and we used a
card that we had not used for about 4 months to spread out the charges
on different cards, that when the charge was put through (for the
cardiologist), they wouldn't accept the charge - they had to come and
get me so I could talk to the credit card company.
grandma Rosalie |
