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Poll: Does anyone find this thread helpful?

Yes 66 80.5%
No 5 6.1%
Somewhat 11 13.4%
Total number of voters: 8 ( FrankN, JacksonM, JGibbs, vincymol, CentsibleSaver ) See more
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TOPIC: Credit Card Questions

Disputing a Charge 4 weeks 19 hours ago #1

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Poll for the group: How many credit cards do you have in your wallet?
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Disputing a Charge 1 month 2 weeks ago #2

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Agreed most places I go to and pay with a credit card still require my signature.
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Disputing a Charge 1 month 3 weeks ago #3

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Some merchants/processing banks have waived off on the "no signature" option and process it as a chip only card which really moves the transaction along (as to security anyone could pretend to sign and no verification actually took place so not sure where there was any true risk loss). Heard of a situation where a person left their Debit Card in a grocery store and due to no pin or signature had their bank account emptied. Now since no real attempt to verify a signature took place I am not sure how there was a security breach. The card owner was told to file a loss with the bank and hope for the best. Yeah ... ok ... hope for the best. Actually have not seen much on the change to no signature so far. Many merchant/banks have not actually implemented the possible change (it is merchant option).
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Disputing a Charge 1 month 4 weeks ago #4

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Wanderer, have you heard of any issues with credit card companies or merchants after the signature change on 4/1/18? I have not.
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Disputing a Charge 4 months 2 weeks ago #5

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Never heard of sending in a signature. With Visa, MasterCard, Discover and American Express removing the mandatory signature requirements from their merchant agreements effective to April 1, 2018 it seems very strange.
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Disputing a Charge 4 months 2 weeks ago #6

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Has anyone had to "prove" a charge was not made by you? I was talking to a friend who mentioned that they had to send in their signature for verification, I had never heard of that before!
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Disputing a Charge 8 months 2 weeks ago #7

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Typically they do. If you call, they will quickly send you a new one with a new # and security code.
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Disputing a Charge 9 months 2 weeks ago #8

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They did not, which is find a little strange now that I think about it. I'll have to look into requesting a new one. When I had an odd charge on another card a few years back they immediately froze it and sent me a new one.
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Disputing a Charge 9 months 4 weeks ago #9

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JacksonM wrote:
JGibbs wrote:
Yikes, was your credit card information stolen?

It's the only strange item I've seen so far. I've already gotten a letter back that it was resolved and I've received the refund. I'll be keeping an eye on the account to make sure nothing else pops up though.

Good news you received a refund. Did they issue you a new credit card with a new #?
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Disputing a Charge 10 months 2 days ago #10

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JGibbs wrote:
Yikes, was your credit card information stolen?

It's the only strange item I've seen so far. I've already gotten a letter back that it was resolved and I've received the refund. I'll be keeping an eye on the account to make sure nothing else pops up though.
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Disputing a Charge 10 months 3 days ago #11

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Note ... it was our ever popular Equifax that did not update their security patches to the tune of 143,000,000 files plus another 2,500,000 files. Hey ... who's left?!
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Disputing a Charge 10 months 4 days ago #12

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JacksonM wrote:
I was "encouraged" to work it out myself. I put the dispute through, but does anyone know why they ask this? Is it in place in an attempt to discourage people from following through with claims?
Yikes, was your credit card information stolen? Yes, they're likely trying to discourage folks from initiating claims because it costs the company time and money. Don't forget that they have to deal with the seller and "investigate" the situation. I think chargebacks are more common now because the word is out and consumers are more aware of their rights. I'm sure some scammers abuse the process too. I also wonder if any of it has to do with the Experian breach. Maybe they're overwhelmed with claims right now.
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Disputing a Charge 10 months 5 days ago #13

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Seems like I'm the only one using this thread, but strange things are popping up lately.

Recently I was going over my credit card information and had a purchase I didn't recognize from a company I've never heard of. When I initiated the dispute process, I was asked if I'd tried to resolve it with the company. I hadn't because it wasn't something I authorized. Before continuing I was "encouraged" to work it out myself. I put the dispute through, but does anyone know why they ask this? Is it in place in an attempt to discourage people from following through with claims?
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Mastercard Black Card 10 months 1 week ago #14

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FrankN wrote:
JacksonM wrote:
I was recently "invited" to become a Luxury Card member with a Mastercard Black Card. When I first opened it I laughed because I didn't know black cards actually existed. I thought they were a filler for movies, like 555 for phone numbers. It's not a card I would apply for since it has a $495 annual fee, but it still blows my mind that I received this offer.

Do you remember what the limit, interest rate, and benefits were for the card?

The interest rate was something like 15.99%. The benefits were mostly travel related. I think 2% back, access to lounges, a free Luxury magazine, and the like.

Moneyes, I didn't follow through with the application. I'm just still shocked I received it.
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Mastercard Black Card 10 months 2 weeks ago #15

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Barclays sounds better than it is. They have a good marketing team, that's for sure.

Just make sure you're not overextending yourself with a card like that.
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