I smell a rat…..somthing is not right here…
Be aware....Just tried to order $2000 worth of batteries from <vendor> and they rejected my C Card. That produced a Fraud alert and cancelled card.
- Thread starter Firstrapid
- Start date
sunshine_eggo
Happy Breffast!
Chase flagged the purchase and refused to process it.
Yes it is. Steps 1-4 often happen almost instantaneously.
I have received MULTIPLE fraud calls from Chase. NEVER have they ever asked if I COMPLETED this purchase. They asked me "This is so-and-so with the Chase fraud divisions calling about potential suspicious purchase activity. Did you make a purchase from vendor for $X?"
I say, "yes." They say, "please resubmit the purchase, and it will go through."
Nope. It was just you not understanding how this works.
Lessons learned:
- Only you or your bank can cancel your credit card.
- If you attempt to make a purchase from a legitimate seller, it is rejected, and your bank calls you asking if you made the purchase, you say, "yes."
marionw
Solar Enthusiast
Not only do merchants rarely deal directly with your card issuer, but they also don't deal directly with the networks. Instead, most merchants -- especially small businesses -- work with a credit card processing company. Essentially, credit card processors are the go-between for the merchant and the network
www.fool.com
How Do Credit Card Companies Make Money?
Credit card companies profit in a number of ways, depending on the type of company. See how various card companies make money.
www.fool.com
So you told them you didn't make the purchase, thus telling them it was stolen... and so they cancelled it
user error, as usual
I can use 3 different cards on aliexpress, visa, mastercard and american express
no ID required.
Solar Guppy
Red Cobra Guppy
With larger purchases it is very common to have the payment rejected, then the purchaser will say yes, I made a purchase when the bank calls or texts about the transaction, the bank then white lists the vendor for a second attempt and on the second attempt it will clear.
naw, this happens all the time with smaller companies online. probably 25%-40% of transactions get this the first time a user uses a website that they never used before.
If a user uses random small websites frequently, it's much less likely to happen to them though.
Cards will just ask if you made the purchase, if you say yes, you can continue.
Big vendors like paypal, square, stripe, ebay, amazon, walmart, bestbuy, blah blah blah won't get it flagged when it's the "first" time you've used your card there.
However small vendors like this eco.. or jenny's seed shop, etc will.
yea, square, stripe, paypal, hartford, etcNot only do merchants rarely deal directly with your card issuer, but they also don't deal directly with the networks. Instead, most merchants -- especially small businesses -- work with a credit card processing company. Essentially, credit card processors are the go-between for the merchant and the network
How Do Credit Card Companies Make Money?
Credit card companies profit in a number of ways, depending on the type of company. See how various card companies make money.
It isn't even possible to directly interface with the cards as a developer. You're required to go through these 3rd parties.
There's a new bank for direct interaction called "column" but other than them, you have to be a giant in order to be allowed to interact directly.
sunshine_eggo
Happy Breffast!
Yep. My last purchase from Amy Wan... I sent Chase a secure message through the website confirming the purchase...just in case.
So long as you never get flagged. Surprised me when it happened last year. Now I can only use the 1 CC that I jumped through the hoops to prove was valid.
green mountain boys
Solar Enthusiast
Credit card processing has changed a whole lot. How many remember when you handed the sales clerk your credit card and the clerk reached under the table and pulled out the book? Dropping it on the counter with a big boom!
For those too young to remember, the book contained ALL of the credit card numbers, both valid and invalid. The clerk would have to manually search through and locate your number to verify if it was good or not. Your card would be good until the book was updated.
The book was as large as an old telephone book from a large city. How many remember telephone books... oh never mind.
For those too young to remember, the book contained ALL of the credit card numbers, both valid and invalid. The clerk would have to manually search through and locate your number to verify if it was good or not. Your card would be good until the book was updated.
The book was as large as an old telephone book from a large city. How many remember telephone books... oh never mind.
sunshine_eggo
Happy Breffast!
This is as old as I remember...
flagged like you stole something from aliexpress so they want to make sure you're legit?
I guess I've used them so many years, they know I'm me
Ahh...
Then you got the ca rd cancelled, not eco.
Nothing nefarious on my part. I have also used them for several years before it happened. When they did it I just about quit using them because it torqued me off.
scrubjaysnest
Solar Enthusiast
This is why Chase has an over 80% 1 star rating on the American Consumer web site.
Heh...
I had a fraud situation recently, scammers were horassing my customer to get payment direct deposited to a chase account.
They had my invoice and everything...
No fraud alert followup at all.
I had a fraud situation recently, scammers were horassing my customer to get payment direct deposited to a chase account.
They had my invoice and everything...
No fraud alert followup at all.
Yeah... whats in your wallet?
timselectric
If I can do it, you can do it.
- Joined
- Feb 5, 2022
- Messages
- 18,619
I bought an apple at a fruit stand. And they stole my wallet, blew up my bank, wrecked my truck, killed my dog, and got my grandma drunk.
Be careful out there.
Be careful out there.
sunshine_eggo
Happy Breffast!
Sounds to me like grandma just went on another bender...
timselectric
If I can do it, you can do it.
- Joined
- Feb 5, 2022
- Messages
- 18,619
Ok, it wasn't an apple. it was apple butter moonshine.
And maybe the rest of the stuff was my fault
And maybe the rest of the stuff was my fault
marionw
Solar Enthusiast
I do believe you have the start to a country music song, could make millions
