jeaelectric wrote: i wonder if this is the same for a debit card?
Yes, but I think it is up to the bank. We use our debit cards for most purchases including gas when traveling. Back in 2005 was the first time it happened, we were somewhere in the mountains at a little convenience store getting gas and my debit card was declined.
We called our Credit Union and they said it appeared to them that it may be fraud but we got it cleared up. Since then, they have not declined our card but instead we get a phone call from an automated system asking us to call an 800 number. When we call, another automated system explains that for continued use of the card we must verify the last 5 transactions. So you put in your card number, verify your secret stuff, then the system reads a transaction, then you push a button to verify - it walks you through each of the 5.
I was impressed back in 2005 and still am that my credit union does this and we're at a point now that my wife and I make bets to see when we'll get the call. I never thought about calling them in advance until now.
Eric
Eric, Melissa, Morgan, Andrew and Sam the Camping Canine
2006 Starcraft Antigua 235SRG
2004 Toyota Tundra SR5 Double Cab V8 www.thelovedays.com
I must have Discover trained - I travel for business, often by car and have yet to be delayed or denied. The only exception was when I bought a piece of jewelry as a Christmas gift - they called within 15 minutes of running the transaction. Yep, got 'em trained.
From someplace in SE Wisconsin
2006 Silverado 2500 Ext-cab / reg box / D/A
2006 Jayco Eagle 325BHS
2001 Goldwing, Cyclemate trailer and a tent (to remind me why we have the Jayco)
1999 BMW 1200C (007 bike) too cool to part with
I agree that the companies are protecting themselves and me, I'm all for it! I do see the inconvenience and possible embarassment of having a card declined. I try to protect myself in addition to what the credit card companies do with credit monitoring -- pretty advanced at this point. I check my status at least weekly, and still get some alerts from them in the meantime....Anyone else using that?
KK & the Muttley crew (4 Boxers)
'04 Dodge 3500HO, 2 x 4 LB, 6 sp std. tran.
Triple Dog by Bully Dog
B&W gooseneck companion 18K
'04 Prowler Regal AX6 365FLTS Fiver
'01 Featherlite GN 3hSL with mid tack & 13 SW LQ
We finally got AMEX trained too. Now when we make one of our long weekend trips they don't call anymore. That only happens when we got for a week or more. And, it only happens when we're towing. Probably because of the increased gas use.
When we had a Shell credit card they used to check if it was used more than one time in a single day.
Instead of notifying them ahead of time we just forward our home phone to our mobile. Works well.
charlie
2006 Toyota Tundra Crew Cab
2003 Skyline Nomad 24ft Fiver
Me and Wife
Maggie the Old English Sheepdog
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