Banking in these modern times

[neorichieb1971]

I just thought i'd write a little about what happened today.

I woke up early at 5am on my days off, I got online to my fiancee in Manila Philippines to talk about my trip there in September. During my visit we were planning to fly over to Hong Kong since its a place i'd love to visit. So between us both we book a flight with a company called Cebu Pacific. I am sure most of you are aware when you book or buy things online, if its a new site you go to you have to write a book to get through the security process.

Name
Address
Phone number
Email
Credit card info (number, name, expiry, security 3 digit number)
And finally, the special thing I have to do which is input 3 characters from a password that only I know.

So I do all that, I get the confirmation of the booking and the flight seats are confirmed.. Bingo.

I went to Yesasia.com just after and bought the Korean Steelbook of the hurt locker for about $23 or whatever it was. Apart from logging in I had to type half of that crap out again.

2 hours later every phone number assigned to me was called asking me to call Barclays fraud office. I went onto skype because I have £20 worth of credit on it.

15 minutes on the phone and £2 later all we have discovered is that they disabled my card and have charged me £2 for the convenience of putting it back on.

WTF is the security there in the first place? Unless people can read minds there is noway they can bypass all those questions. Personally I think its a con and a disgrace. I would change bank but I trust Barclays more than the others.

Anyway, thats my rant of the day.

[GaijinPunch]

When doing stuff international: call them first. This isn't exactly new.

[Skykid]

When doing stuff international: call them first. This isn't exactly new.

No but it is a pain in the ass.

[Acid King]

I always get calls like that from my credit card company when I buy PCBs from overseas. Usually it's not a big deal, I just call them and tell them it's something I actually bought and everythings fine. That's bullshit that they charge you to reinstate your card though.

[cools]

I've had times where I have called them first and they've still barred the transaction. Repeatedly. And then required me to go into a branch to update my security details before I'm able to unbar any future transactions.

Paypal may be a pain but it completely eliminates this nonsense.

[neorichieb1971]

I don't think you get my point though guys. What is the point of 3 layers of security if they are going to ban your card or request a phone call? I'd rather they just set it up so I Called first.

The other thing that bothers me is that the seats in the plane were confirmed, so obviously that went through. But what if I went to buy something of which only 1 or 2 were left and found out my card wasn't working.. I'd probably miss out. Its really a silly situation.

They should offer a freecall number at least, or call me. Not leave a stupid automated message on my phone stating to call a 0845 number (which is chargeable).

Also, apart from the plane flight, every thing on my statement was a repeat of a previous transaction dating back years. I've always shopped at yesasia, amazon, play.com etc, yet they based their suspicions on such activity.

[cools]

Lloyds call me.

[SuperPang]

Natwest have called me once or twice after blocking expensive payments to Japan/HK. Cools is right, Paypal is most useful in these circumstances and thankfully those retailers take it now.

I've been a victim of fraud though. They tested the water with a £10 Comic Relief donation then bought £700 of power tools. I reported it, got my money back. Oddly they didn't change my card but said they'd keep an eye on my account. A couple of weeks later, another £10 donation and £300 on an online betting site. Now they want to replace my card

I don't know many people who haven't experienced CC fraud. I somehow doubt anyone even looked into the crime itself. Makes you wonder who pays for all this.

fiancee in Manila Philippines.

I bet that payment bounced too.

[Slump]

Yeah that sucks. I've had that happen once but they didn't charge me money or anything. Just called to make sure I indeed made the purchase. I suppose Cools is right with regard to using paypal in the future. Of course there's still stuff that can't be bought with paypal so that wouldn't help much. Still seems stupid to me that they would charge you for deactivating and reactivating the card. Maybe the service is detailed in the fine print of your agreement somewhere? If not I'd be inquiring details because that's BS.

[neorichieb1971]

I think you guys read my statement wrong. The bank did not charge me £2 for reactivating the card, the phone call cost £2 which I need to make to reactivate my card. Same thing isn't it?

[DEL]

* Don't own a credit card
* Don't buy a 4 x 4 on hire purchase
* Don't buy anything on credit. Maybe a house if you really have to
* Don't try and keep up with the Joneses
* Don't grope Japanese women. Fondle them
* Don't buy a 4 x 4
* Don't score less than an F

[Slump]

I think you guys read my statement wrong. The bank did not charge me £2 for reactivating the card, the phone call cost £2 which I need to make to reactivate my card. Same thing isn't it?

Oh I gotcha. I thought you meant it cost 2 pounds for the call AND 2 pounds for them to put it back on. That's still stupid though. I'm all for security but that seems like some serious redundancy. At least you appear to be well protected though

[ROBOTRON]

I just thought i'd write a little about what happened today.

I woke up early at 5am on my days off, I got online to my fiancee in Manila Philippines to talk about my trip there in September. During my visit we were planning to fly over to Hong Kong since its a place i'd love to visit. So between us both we book a flight with a company called Cebu Pacific. I am sure most of you are aware when you book or buy things online, if its a new site you go to you have to write a book to get through the security process.

Name
Address
Phone number
Email
Credit card info (number, name, expiry, security 3 digit number)
And finally, the special thing I have to do which is input 3 characters from a password that only I know.

So I do all that, I get the confirmation of the booking and the flight seats are confirmed.. Bingo.

I went to Yesasia.com just after and bought the Korean Steelbook of the hurt locker for about $23 or whatever it was. Apart from logging in I had to type half of that crap out again.

2 hours later every phone number assigned to me was called asking me to call Barclays fraud office. I went onto skype because I have £20 worth of credit on it.

15 minutes on the phone and £2 later all we have discovered is that they disabled my card and have charged me £2 for the convenience of putting it back on.

WTF is the security there in the first place? Unless people can read minds there is noway they can bypass all those questions. Personally I think its a con and a disgrace. I would change bank but I trust Barclays more than the others.

Anyway, thats my rant of the day.

When the raw materials of the sea are blown out, perhaps this angry it makes me.

Perhaps you used the ebay method of paypal in place of the master card? If you had maybe the vile gangsters would not have fingered your small crevice.

BTW... never fondle small kittens in a rail car while you visit the father land, it could get you 4 years in a sink hole.