Comment Re:Chase cards text and email (Score 1) 345
Nope, I think they are the worst, by far. To wit:
I get a call from them saying that my card was compromised, used at Walmart.com for some big screen TVs or whatever INCLUDING the proper CVV code. Mind you this is my UA Visa, which sits in my locked desk unless I'm flying that airline and only for that airline... and I haven't flown in several months. But OK, whatever, bad things happen once and awhile. They send me out a new card.
I get my new card, and my first purchase is to get a cell phone from an overseas merchant (yay, unlocked phones for no surcharge!). I activate the card, and even expecting this to go south, put in the travel plans section the UK. Place my order, and... denied. OK, still not too bad, I'd agree the transaction LOOKS suspicious. Call them up, give all my secret details (so now, hope the NSA is taking care to encrypt their notes, as they've skimmed everything someone needs for identity theft from my cell phone conversation) , and they reassure me my security permissions have been adjusted and to go ahead and retry the purchase.
Fine, no big deal other than... grr... merchant killed my account so I have to spend 5 min re-typing in all my information. Then... bam! Denied again! Call them back up, livid... same game again "oh sorry sir, we've adjusted your security settings..." and retype everything and boom... still denied.
Kept the Chase droid on the line this time, and he talked with his supervisor, and whatever, same game... and finally got the card to go through.
Unfortunately the merchant flagged it this time as suspicious (which, now, it was... no fault of theirs) and wanted me to fax my credit history over... politely told them it wasn't worth the effort and sorry to bother them.
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I've also had Chase reject multiple large transactions from the same store, with card present... like when you are at a closeout appliance sale and want to purchase more than one item, but want to put each one in your vehicle to figure out how full you are...
I guess the most insulting thing, as a former merchant, is that the MERCHANT gets screwed if fraud is passed on, not the bank... so the bank is just making my life difficult... I did not ask for high-risk treatment. At 1-3% of the transactions, they make a LOT of money on me each year, even after the rewards are paid out... so my love for this terrorist treatment is unwelcome, and the new card (from another bank) is in the mail...