God dammit mother make the beast with two backs
make the beast with two backs!
On my recent trip across NY my card stops working at the pump or inside.
I pay my balance in full every month so that's not it.
I call my credit union that by visa card is through and they tell me they have added new security to the cards because they've had a lot of fraud at the gas pumps.
So now my visa card only works two times in 24/hrs at the pump.
This is so make the beast with two backsing inconvenient I can't even begin to explain. Well, you all probably understand.
I don't know if it's all visa cards or just the ones through my credit union.
Better call your card company before you leave for any sort of trip on your moto.
My gas light comes on at 100 miles :(
I only brought so much cash.
make the beast with two backs YOU VISA!!
Can't they waive that? I know I have charged more than the $1000 limit/day on my debit card before and all I had to do was call them to waive it...
Quote from: Monsterlover on June 03, 2009, 05:03:40 AM
God dammit mother make the beast with two backs
make the beast with two backs!
On my recent trip across NY my card stops working at the pump or inside.
I pay my balance in full every month so that's not it.
I call my credit union that by visa card is through and they tell me they have added new security to the cards because they've had a lot of fraud at the gas pumps.
So now my visa card only works two times in 24/hrs at the pump.
This is so make the beast with two backsing inconvenient I can't even begin to explain. Well, you all probably understand.
I don't know if it's all visa cards or just the ones through my credit union.
Better call your card company before you leave for any sort of trip on your moto.
My gas light comes on at 100 miles :(
I only brought so much cash.
make the beast with two backs YOU VISA!!
Can you go to an ATM/bank and get a cash advance?
I feel your pain.
Last year on my Nova Scotia trip, the gas stations were placing a $150 hold on my account for 3 days every time I used my card to buy $10 worth of gas.
Quote from: Obsessed? on June 03, 2009, 05:21:30 AM
I feel your pain.
Last year on my Nova Scotia trip, the gas stations were placing a $150 hold on my account for 3 days every time I used my card to buy $10 worth of gas.
Ouch! Now that hurts!
I always carry three credit cards just because, well, you never know, things happen. Yes, your credit card company is ridiculous and you are rightfully pissed off since their policy could have left you stranded. In some rural parts of the US I would consider this policy a threat to safety. I would say it is letter writing time [thumbsup]
+1 they should be able to waive that for you. I've had my Chase Visa get locked while on the road before, and a phone call fixed the problem. Pissed me off that it took until the next morning though.
it's not an uncommon policy and, yes, it's fraud prevention.
it's happened to a handful of guys in our group that rides up to laguna every year. i think we do like 5-6 fuel stops in a day.
you should be able to call them beforehand and tell them you're travelling and to expect a lot of gas station charges.
i'm lazy, i just use one of my other cards for the rest of the day.
i spent 3 weeks without credit cards (master and visa) last summer in chicago, good thing i had my colleague with me in a business trip
i know it's sh!t
FYI it's not really VISA itself doing this to you, it's the bank.. Not all banks are the same. Not all cards within a bank are the same. My Business Card is wway more sensitive for some reason. Meh... Check cards are where it's at.
is that with a debit card, or a true credit card?
my problem last spring was that the max i could purchase at the pump with my card was 100.00, which was only giving me a little over half a tank of diesel at the price then. so i was filling up 3 times a day during my trip across country. luckily, never had my card rejected.
sux either way.........hope there are still places that take cash........although inconvenient compared to pay-at-the-pump
Quote from: derby on June 03, 2009, 06:16:23 AM
it's not an uncommon policy and, yes, it's fraud prevention.
it's happened to a handful of guys in our group that rides up to laguna every year. i think we do like 5-6 fuel stops in a day.
you should be able to call them beforehand and tell them you're travelling and to expect a lot of gas station charges.
i'm lazy, i just use one of my other cards for the rest of the day.
this reminds me of capt'n underpants [laugh]
I had the same problem with my VISA card in Italy while trying to put gas in ... it was a huge PITA.
It is/was a common tactic for villains to try out stolen credit cards at gas stations. $5 here or there to test the card and try to fly under the radar. So a lot of banks/card cos have become suspicions of frequent, low dollar charges from gas stations.
American Express FTW!! [bacon]
Quote from: Pedro-bot on June 03, 2009, 08:33:57 AM
American Express FTW!! [bacon]
Negative, ghost writer.
My brother used his AMEX to pay for a spa trip for his wife to the tune of ~$500. No problems.
He tried to use it to buy a $10 Metrocard at an NYC subway station. Card disables because of "suspicious activity."
HE LIVES IN NY EFFING C!
I carry 3-4 cards when I travel, especially to Europe. No matter how many time I call to say "Yes, it's me using it, I am in (City/Country name), please quit declining my charges" I still end up getting denied all the time. I even call before I go. No effect what so ever. Cash machines help but you end up paying a ton in fees.
Quote from: Obsessed? on June 03, 2009, 08:40:05 AM
Negative, ghost writer.
My brother used his AMEX to pay for a spa trip for his wife to the tune of ~$500. No problems.
He tried to use it to buy a $10 Metrocard at an NYC subway station. Card disables because of "suspicious activity."
HE LIVES IN NY EFFING C!
Well from FHE, I've had ZERO problems with mine. Small and large purchases, all the same.
I used my Credit Union Visa all the time in Italy. I called them before I left, and no problems what so ever. Never declined, even when I used it 2-5 times a day.
I can understand your frustration though. The idea of paying at the pump is the convenience factor (and not getting stupid questions when you walk into the gas station in full moto gear).
I've had a credit card stolen...and they racked up a couple hundred buck charges at gas stations within an hour.
my bank keeps locking my business card for making purchases in foreign countries.
I tried to give them a list of the 3-4 places i buy from...no dice.
reason-England, Italy, and Germany are 'countries with a high risk of fraud'.
[roll]
Quote from: howie on June 03, 2009, 05:50:16 AM
I always carry three credit cards just because, well, you never know, things happen. Yes, your credit card company is ridiculous and you are rightfully pissed off since their policy could have left you stranded. In some rural parts of the US I would consider this policy a threat to safety. I would say it is letter writing time [thumbsup]
i carry multiple as well. use discover where i can because i get the most cash back, but the thing is, some places don't take it - so I have a back up. The back up is also handy in case something horrendous happens, like the transmission falls out of the tahoe and I'm in the middle of nowhere. you're gonna need "money", and the back up card has nothing on it yet.
it seems like everytime i take a moto trip my card gets put on hold - but i get a call from my bank when they do it to verify i still have the card and it is me using it - then they release the hold.
...just bragging [cheeky]
always bring hidden cash stash on trip.
I got locked out of my card for buying a metrocard once ( i also live in NYC) it makes no sense. I dont know what causes them to raise a flag, but whatever it is, its retarded. I carry my debit, AMEX and a mastercard. Ive had all but my amex locked. I got locked out at a hat store and once at home depot. Its annoying as hell. But as MrFry says, always carry cash. I try to have atleast 10 bucks on me at any given time (actually its the law in NYC to carry $5 and photo ID) in case i need fuel or food.
If you do need to steal food, yogurt and fruit is you're friend. :P
Quote from: He Man on June 03, 2009, 11:00:30 AM
(actually its the law in NYC to carry $5 and photo ID)
Huh?
It's not a debit card an they wont waive it. I already asked.
I have one other card but I don't carry it. Never needed to. Visa never did this to me before.
Pissed.
Quote from: NAKID on June 03, 2009, 11:08:33 AM
Huh?
In much of the country, no ID, not enough money and you are a vagrant.
or a college student with a hangover.
Quote from: howie on June 03, 2009, 01:08:00 PM
In much of the country, no ID, not enough money and you are a vagrant.
ID I can understand, but I rarely keep cash on me...
Quote from: NAKID on June 03, 2009, 01:27:20 PM
ID I can understand, but I rarely keep cash on me...
Since you don't look like a vagrant, I would not worry about it.
So it's profiling....
;D
Quote from: howie on June 03, 2009, 01:29:11 PM
Since you don't look like a vagrant, I would not worry about it.
That's a matter of opinion.
How's come this got moved to nmc?
This directly applies to anyone looking to take a long ride on their moto. . .
Sorry to hear of your trouble ML. >:(
I'll keep this in mind when B and I go on a [moto] trip this weekend.
our MC stopped working a couple of months back due to lots of times at the pump. Had to call & tell them we ride motorcycles, and to allow the transactions to go through for my card and hubbys at the same stations.
Then at Deal's Gap, they put it on hold for fraud alert. Seems we were far from home, and buying beer & gas at the gas station sent up red flags (Or maybe it was swampduc. not sure [laugh])
Now it's on hold again. Got new cards in the mail this past week (had to call anyone who was holding our reservation with that credit card), and they've stopped already.
I aprreciate their diligence, but dammit! this is a PITA.
So yeah, +1 backup credit card, plus a debit card.
+1
I've experienced the gas station CC freeze, and most recently they called my old-old-old place of work to verify a new MacBook Pro I just ordered. [bang]
While I appreciate their protection, it's still annoying going to the grocery store and having your card denied because of their "fraud protection".
Oh, and cash was denied in a recent Apple store visit. Credit cards only (maybe checks, but who pays with those in store anymore?).
Is it legal to deny cash? ? ? ? ?
unfortunately, in some places its good policy TO deny cash.
if you don't accept cash, its hard to have any on hand that somebody might want to steal. or rob you of.
Pull out a dollar bill and read what it says on the front. "Legal tender for all debt, public and private."
Think about what it that means.
It is legal to use that money to satisfy debts. It is not required. It is not illegal to refuse it.
Like when the gas station says no to your $100 bill. Or how the UPS man won't accept cash for COD.
then turn around and walk out the door while explaining how the place down the street will get your business, because they do take cash.
^ good advice.
but why not put it on a cc that gives cash back, and make an immediate payment since you have the cash? earn a few bucks of cash back rewards, or frequent flyer miles, or whatever in the process
Quote from: NAKID on June 03, 2009, 03:55:34 PM
Is it legal to deny cash? ? ? ? ?
Its weird. Dunno.
next time someone declines to accept cash will be the first time for me.
but if they do, i am going to write a check on the back of a dunkin donuts napkin and pay that way.
Quote from: herm on June 03, 2009, 04:14:20 PM
next time someone declines to accept cash will be the first time for me.
but if they do, i am going to write a check on the back of a dunkin donuts napkin and pay that way.
Yup-that's legally valid, assuming they also accept it.
AS far as denying cash, I would never go back. I prefer using the green stuff.
some airlines now require cash for in-flight food or beverage purchases.
Quote from: Randimus Maximus on June 03, 2009, 07:07:21 PM
some airlines now require cash for in-flight food or beverage purchases.
Whereas JetBlue now requires a debit/credit card and will not accept cash for in-flight purchases.
Quote from: ato memphis on June 03, 2009, 04:12:00 PM
^ good advice.
but why not put it on a cc that gives cash back, and make an immediate payment since you have the cash? earn a few bucks of cash back rewards, or frequent flyer miles, or whatever in the process
because using cash doesn't require signing a contract where the CC company can change the terms at their whim? because the "rewards" the CC's give are a pittance and just a tool to get you to use it more thus generating more income for the CC's via transaction charges to the sellers which are ultimately pushed back down to the customer? because there is no account number to electronically swipe and commit identity theft with?
Play with snakes and you will eventually get bit.
Most credit cards give you protection against dishonest merchants. Some credit cards will provide insurance for rental cars. So there are some benefits in addition to convenience.
i use my debit card for everything.
Quote from: Monsterlover on June 03, 2009, 01:58:04 PM
How's come this got moved to nmc?
This directly applies to anyone looking to take a long ride on their moto. . .
Figured that out yet? ;D
I haven't thought about it all that much but to answer your question...
No.
Quote from: Monsterlover on June 04, 2009, 06:54:26 PM
I haven't thought about it all that much but to answer your question...
No.
Oh...
we can talk tomorrow. ;D
You never did tell me. . .
Oh, and make the beast with two backs you VISA!
They shafted me again. . .
Kinda makes all those "Easier than Cash! Theft prevention!" ads seem retarded, no?
I try to carry cash as much as possible. Barring that, I bring the wife. :P
Quote from: Monsterlover on June 08, 2009, 06:54:29 AM
You never did tell me. . .
Oh, and make the beast with two backs you VISA!
They shafted me again. . .
did you ask? [evil]
Quote from: ducpainter on June 04, 2009, 07:01:39 PM
Oh...
we can talk tomorrow. ;D
^
this is different then "ask me tomorrow"
You're half at fault
;D
Visa is the [evil]
Quote from: Monsterlover on June 08, 2009, 08:58:38 PM
^
this is different then "ask me tomorrow"
You're half at fault
;D
It appears it was much more important to you. ;)
Wow, this was interesting read. I will have to make sure to carry cash for the long rides from now on considering we stop many times to fill up. Glad I read this.
The part about some places not taking cash does not sound legal to me.
In addition, denying transaction using a credit card because the charge amount is small is illegal. So I hear but have no confirmation if it is a State or Federal thing. Anyone know?
Quote from: ab on June 09, 2009, 04:14:20 PM
Wow, this was interesting read. I will have to make sure to carry cash for the long rides from now on considering we stop many times to fill up. Glad I read this.
The part about some places not taking cash does not sound legal to me.
In addition, denying transaction using a credit card because the charge amount is small is illegal. So I hear but have no confirmation if it is a State or Federal thing. Anyone know?
I don't think there is a law that says they have to accept cards.
Why wouldn't they be able to set a min purchase/
Quote from: ducpainter on June 09, 2009, 06:13:51 PM
I don't think there is a law that says they have to accept cards.
Why wouldn't they be able to set a min purchase/
I think if I remember correctly it may have something to do with the contract between the credit card issuing company/bank and the merchant. I don't believe their contract allows them to issue a minimum purchase threshold.
I hope people that are knowledgeable on this topic can chime in and clarify.
Quote from: ducpainter on June 09, 2009, 06:13:51 PM
I don't think there is a law that says they have to accept cards.
Why wouldn't they be able to set a min purchase/
business do not
have to accept credit cards. however, if they do, they are not supposed to set minimum purchase amounts. that is in the agreements between the merchant and the card issuer. the merchant can lose their ability to
accept visa/mc/etc....
that doesnt stop some from doing so anyway. what i have noticed though, is that if you are using pay at the pump, they cant or wont enforce this. this leads me to believe that there is no reason for them to make that claim other than to increase their profit.
in fact, my bet is that they cant enforce this. so pay for 5 dollars worth of gas inside, and when they say they have a minimum charge.....tell them to piss off. offer to pay the charge with a card, or not pay it.
i bet they charge your card for 5 bucks.
Note that there is an 800 number I can call, that I now have programmed into my phone that works 24/7 and puts me into contact with a human that can unlock a card that the automated system thinks has been stolen.
Also note that this number was NOT on the back of my card.
I raised hell with the bank and someone got a talking to.
;D
Quote from: herm on June 09, 2009, 07:06:39 PM
business do not have to accept credit cards. however, if they do, they are not supposed to set minimum purchase amounts. that is in the agreements between the merchant and the card issuer. the merchant can lose their ability to accept visa/mc/etc....
that doesnt stop some from doing so anyway. what i have noticed though, is that if you are using pay at the pump, they cant or wont enforce this. this leads me to believe that there is no reason for them to make that claim other than to increase their profit.
in fact, my bet is that they cant enforce this. so pay for 5 dollars worth of gas inside, and when they say they have a minimum charge.....tell them to piss off. offer to pay the charge with a card, or not pay it.
i bet they charge your card for 5 bucks.
As I understand it, the biggest reason for the "minimum charge" is to offset the flat fee or percentage that the credit card companies charge to use their services.
Minimum charges are not an issue for debit card users who pay at the pump. The company simply passes the charge on to you. Around here, Circle K charges debit card users who pay at the pump $1. That's one of the reasons I don't fill up there anymore.
Wow! $1!?!?! I used to fill up at AM/PM and they charged $0.35...
Quote from: Randimus Maximus on June 03, 2009, 07:07:21 PM
some airlines now require cash for in-flight food or beverage purchases.
Last time I bought a beer on a flight (about 1 year ago) the only thing they would take was CC. No cash. Can't remember which airline though.