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Reasons why New York Sucks - Page 413

post #6181 of 11477
Thread Starter 
I had a CC that did this to me all the time. Basically, at that time, I only was ever in three places: NY, California, or Kansas City. (Now I am only ever in two places.) Despite being VERY frequently in those other two places, they declined literally every transaction I tried to make outside NY. I complained several times and they always said "We'll fix this" but kept doing it. Finally, the did it to me at a Chinese restaurant in Santa Cruz I had been to a zillion times and I called them right there from the restaurant. They said "From now on, whenever you travel, call us first and tell us where you are going and we won't have to do this." I cancelled the card. New card has never been declined.
post #6182 of 11477
Quote:
Originally Posted by patrickBOOTH View Post

I have never been declined a purchase.

It's your suit.
post #6183 of 11477
I only have a Visa debit card. My other two are a smalltimer Mastercard and a smalltimer cash back Amex for those French restaurants that for some reason only take cash or Amex. Honestly, I rarely use a credit card at places. I carry a good amount of cash with me at all times.
post #6184 of 11477
Quote:
Originally Posted by Manton View Post

I had a CC that did this to me all the time. Basically, at that time, I only was ever in three places: NY, California, or Kansas City. (Now I am only ever in two places.) Despite being VERY frequently in those other two places, they declined literally every transaction I tried to make outside NY. I complained several times and they always said "We'll fix this" but kept doing it. Finally, the did it to me at a Chinese restaurant in Santa Cruz I had been to a zillion times and I called them right there from the restaurant. They said "From now on, whenever you travel, call us first and tell us where you are going and we won't have to do this." I cancelled the card. New card has never been declined.
 

My bank does that when I initiate wire transfers or other transactions online from an IP other than the ones I am used to use (home, work, etc...).   That's a bit creepy but I guess I should feel safer against ID thiefs...

post #6185 of 11477
i use AMEX almost exclusively now. My piece of shit bank kept on declining purchases with my Mastercard debit card. I'd have like a couple grand in checking and I'd go to buy a book and the bank was like "WOAH, take it easy, i'm gonna have to say no on this". Once they started to decline monthly reoccuring charges like my gym, it was time to move on.
post #6186 of 11477
Thread Starter 
I wouldn't mind of they got suspicious if there was a charge from somewhere I never go but this was at a time when I was in KC every two weeks, and then once they had cancelled me a few times, I told them "I am in KC every two weeks, please stop doing this" and they said "OK" and then they STILL did it.
post #6187 of 11477
I think it has something to do with the duration between semi-large purchases.

A few years back, I charged $10,000 to a restaurant on Amex (downpayment for wedding) with no second look.

In December I bought $200 worth of contact lenses and 15 minutes later tried to buy a pair of Aldens from Shoemart over the phone and Amex blocked the purchase. And they were seconds, goddamit!
post #6188 of 11477
Quote:
Originally Posted by Johdus Fanfoozal View Post

I think it has something to do with the duration between semi-large purchases.

A few years back, I charged $10,000 to a restaurant on Amex (downpayment for wedding) with no second look.

In December I bought $200 worth of contact lenses and 15 minutes later tried to buy a pair of Aldens from Shoemart over the phone and Amex blocked the purchase. And they were seconds, goddamit!

Exactly, back when college kids were also getting five figure credit lines / spending limits.
post #6189 of 11477
Quote:
Originally Posted by RedDevil10 View Post

Exactly, back when college kids were also getting five figure credit lines / spending limits.


I still have/use an old red sox master card that i got at fenway back in 1999 (to get free blankets because it was early april and so fucking cold during the game) with a $15,000 credit limit. lol8[1].gif
post #6190 of 11477
My trousers are a fucking soggy mess.
post #6191 of 11477
Because of this weather, I had to grab another Talarico from the stock for myself. I guess that would be the silver lining.
post #6192 of 11477
Who uses a debit card? Could not tell you the last time I used mine. Credit (Amazon rewards points!!!) or cash baby.
post #6193 of 11477
sideways rain really sucks
post #6194 of 11477
The rain yesterday really did suck. It wasn't particularly hard but it was almost impossible to stay dry.
post #6195 of 11477
Quote:
Originally Posted by gomestar View Post

i use AMEX almost exclusively now. My piece of shit bank kept on declining purchases with my Mastercard debit card. I'd have like a couple grand in checking and I'd go to buy a book and the bank was like "WOAH, take it easy, i'm gonna have to say no on this". Once they started to decline monthly reoccuring charges like my gym, it was time to move on.

Quote:
Originally Posted by GreenFrog View Post

I was in Tokyo once and tried to purchase a pair of very expensive sneakers with my Amex.

It got declined initially, and literally 30 seconds later, I got a call from Amex.

They wanted to make sure that I was actually in Tokyo, trying to swipe my Centurion card. I said I was.

Purchase accepted.

JUST KIDDING!

AMEX is really great about travel. You don't need to notify them in advance, and if there is ever any suspected fraud issue they call you BEFORE they shut your shyt down.
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