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Dave Smith[_1_]

On 2016-01-03 7:08 PM, wrote:

>> Hope you have good fraud protection if someone steals your card...
>
> We don't need it, so long as we report the card missing straight away
> or respond when the card operator calls. I know two people who were
> called before they even were aware of the break in security. Didn't
> cost them a penny,
>

Sometimes their security system seems to work. I rarely use my credit
cards. A few years ago I went out Christmas shopping and used my
MasterCard in a number of places within a short period of time, and the
purchases were significant. I called home on my cell phone to check for
messages and there was one from MasterCard and they were wondering about
the unusual pattern of charges on my card that day. They told me the
stores and the amounts and I confirmed them.

OTOH, I once got double billed on Visa at a restaurant... in early
August. When I got the bill in September I called Visa immediately. They
called the restaurant and were told they were new and thought it had not
gone through so they did it again. They were supposed to issue a
credit. I found out the next month they had not. Called Visa again and
was told they would ask for hard copies and I would not be responsible
for the charges unless they were provided.

The calls went on monthly until one day in February when I was passing
by there on business. I went in, talked to the owner/manager and
demanded payment. It may have helped that I was in uniform. They cut me
a cheque. By coincidence, Visa called that night to ask if their had
been any resolution. I told the lady I had been paid that day. She said
that was good because.......after all that time there was not much more
they could do.

???? After all that time?? I called them the day I got the bill and
realized they had double billed me. I was told that they had 45 days to
provide hard copies or I would not be responsible. Apparently, the hard
copies were never provided, but Visa never credited me the money.