Credit Card Questions

Poll: Does anyone find this thread helpful?

Yes
67 80.7%
No
5 6%
Somewhat
11 13.3%
Total number of voters: 9 ( Wanderer, FrankN, JacksonM, JGibbs, vincymol ) See more
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  • Posts: 1190

Replied by FrankN on topic Sofi Money

Has anyone used Sofi Money before? Someone told me about it, and it looks like a great platform.
9 months 4 days ago #16

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Replied by FrankN on topic Credit Karma

Does anyone use Credit Karma as their primary source for their credit score?
11 months 1 day ago #17

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Replied by FrankN on topic Disputing a Charge

Poll for the group: How many credit cards do you have in your wallet?
1 year 1 month ago #18

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Replied by FrankN on topic Disputing a Charge

Agreed most places I go to and pay with a credit card still require my signature.
1 year 2 months ago #19

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Replied by Wanderer on topic Disputing a Charge

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).
1 year 2 months ago #20

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Replied by FrankN on topic Disputing a Charge

Wanderer, have you heard of any issues with credit card companies or merchants after the signature change on 4/1/18? I have not.
1 year 2 months ago #21

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Replied by Wanderer on topic Disputing a Charge

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.
1 year 4 months ago #22

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Replied by FrankN on topic Disputing a Charge

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!
1 year 4 months ago #23

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Replied by FrankN on topic Disputing a Charge

Typically they do. If you call, they will quickly send you a new one with a new # and security code.
1 year 8 months ago #24

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Replied by JacksonM on topic Disputing a Charge

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.
1 year 9 months ago #25

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Replied by FrankN on topic Disputing a Charge

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 #?
1 year 10 months ago #26

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Replied by JacksonM on topic Disputing a Charge

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.
1 year 10 months ago #27

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Replied by Wanderer on topic Disputing a Charge

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?!
1 year 10 months ago #28

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Replied by JGibbs on topic Disputing a Charge

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.
1 year 10 months ago #29

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Replied by JacksonM on topic Disputing a Charge

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?
1 year 10 months ago #30

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