Tagged With "Credit Card Fraud"
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Re: Tickets: Check before you cancel!
British Airways are trying their best to hold on to their customers' money. We have had 4 flights from Frankfurt to London cancelled by them (on two separate bookings). Whilst by law they should simply refund the money to the credit card, they send you links involving only 'travel vouchers' and phone numbers with automated messages directing you to the same vouchers. It is extremely difficult to find anything to do with actual refunds, but I am persisting. I also am pursuing claims under EU...
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Re: Tickets: Check before you cancel!
I fully agree. You might expect this sort of con from a few of the budget airlines, but it seems it has now become BA's policy to lure people into accepting something that might prove utterly worthless: https://uk.trustpilot.com/revi...w.britishairways.com I can always ask the credit card company to charge the amounts back to my card, but I should not have to do that. As to EU 261 compensation, they obviously assume that few people will bother to take things further. They might just be wrong...
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Re: Money Savings Tips, for your Big Trip - Part 1
And don't forget: use a miles-earning card for everything you DO spend! Between bonuses for new cards and steady use, you can go a long way!
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Re: Money Savings Tips, for your Big Trip - Part 1
Yep, it definitely adds up. Thanks for the comment. Make sure to read part 2 coming this week.
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Re: Notes and Noticings from the road
Actually, I think the banks have a fairly minimal (as small as I can make it) impact on my currency transactions, in part because I never deal with exchanges; I use bank ATMs. That way, the exchange takes place not on my account, but as an interbank transaction at the base rate banks use with each other. I used to use my ATM card from Citibank, but eventually they began charging a 3% foreign exchange fee even on withdrawals. At that point, I opened an account with Charles Schwab, a brokerage...
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Re: Notes and Noticings from the road
The Schwab card sounds like a good deal. I have a (UK) Halifax Clarity card, which also gives me a reasonable deal on credit card transactions - no fees/commission and the actual market rate for the currency conversion. It's a significant saving compared to other credit cards.
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Re: Gallery: A Beautiful Building in Bangkok
Even the furniture is lovely...and I'm glad to see they have not abandoned their card catalog. I love computer searches, but I would never want to lose years and years of librarians' and patrons' notes on those cards...
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Re: Your Favourite Travel Camera (or 2)
I see I'm in good company--I'm joining the two-camera brigade for the first time in years (years ago I traveled with two SLRs, one with color film and the other B/W, and then for a while with a film and a digital). I've been working for the last dozen years with a single compact (been through a Fuji, a Canon, Panasonic Lumix and recently a Nikon S9400 ). All have been good, and on an escalating curve of features. All the left-behinds are still in use elsewhere in the family. I actually...
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Re: United's Award Chart: Premium Award Cost Goes UP
Not sure I agree with the "burn 'em" philosophy. At the premium class end, there's certainly been a lot of creep, but not so much in coach, which is more price-sensitive, even for awards. True, summer awards to Europe have generally gone from 50K to 60K, but on the other hand, off-season at American went DOWN to 40K--and with the flexibility of taking one-way awards and combining them in interesting ways...it's actually a better situation. Also, there are some card-linked sales on flight...
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Re: When Debit and Credit Cards aren't your best traveling choices
I've been places where it was not possible to use a credit card much of the time, even when I was told that I could, by the very people who then returned and said, sorry, not working, cash please. But Burma was the only place I can recall that was, when I was there a year+ ago, 100% cash. It's changing now, even there, I've heard. So this has been very interesting, reading about Argentina. Who'da thought?
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Re: When Debit and Credit Cards aren't your best traveling choices
When you go to Sri Lanka, take cash along as well. The larger establishments will definitely take credit cards, but smaller business and restaurants won't. And ATM cards have been slow to find their way into the country, especially in remote locations. The currency there is more stable, but still you won't get the kind of spread we did in Argentina. Best to exchange it at a bank, or ask your hotel people how many US $$ things are.
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Re: Up, Up and Away: Airline miles cards with big bonuses
I LOVE my airline credit card, but it's great to have all this information in one place to see if I could do better. Probably not without some whopping fees, but whopping bonuses, too. Thank you sir, for showing us all these choices!
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Re: Up, Up and Away: Airline miles cards with big bonuses
I have a Delta American Express Platinum card that has served us well. The fee is higher than the gold card, but we can check two bags free, priority boarding, and a free companion pass yearly. We fly two or three times a year and the value of the waived baggage fee and the companion pass far exceed the $150 annual fee. The card also accrues one mile for each dollar spent and lately has offered cash back incentives. For example: spend $15 at Panera's using the card and receive $5 credit on...
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Re: AAA Premier a Good Idea for Budget Travelers
That's an excellent point, Travel Rob. The Premier AAA card is the way to go. But I believe it is only offered to long-time valued members of AAA. You can't walk in off the street and ask to be a Premier Member, at least that's my impression. They will offer it to you. But you should ask for it if you've been a AAA member for quite a while for all the reasons Rob outlines.
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Re: 'Dude, Where's My Car?' for real!
I don't think he staged it, but I do think he wasn't searching too hard for the car after he met the lady. And that would make a nice story if they got married. If he wanted to find the car quick, he would of called his bank or credit card issuer to see the location of his first try to get his money and started his search from there.
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Re: Norway To Come Out With Cool New Passport
One day someone will put a photo of the bearer on Credit Cards and eliminate fraud ! Maybe not - that's too obvious.
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Re: Norway To Come Out With Cool New Passport
In my experience, much of the fraud is perpetrated online so a photo is irrelevant.
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Re: Gumbo's Pic of the Day, Aug 21st, 2014:The Cigar Man
GarryRF, I could only think of the Visa Credit Card ads when I saw this great piece about Hector! Cost of one of the worlds finest cigars ,$10 . Experience of spending time with Hector, Priceless. My guess is , it's cash only in Hector's case.
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Re: Sick of Your Credit Card Being Declined While Traveling? Visa Offers New Service
The credit card companies are shy about any purchases abroad of a substantial amount, because of they risk they pose. Even if I call and let them know my step by step plans, I can still run into trouble with one or more cards. I don't carry my cell phone on major international trips (yet) and don't like the idea of geotracking me. If someone has stolen wallet, they could just as easily have stolen my identity. PIN identifications works fairly well, but even that is not without glitches as I...
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Re: Do Airlines offer the Best Loyalty Rewards Programs?
A very interesting interview...and one of the points that comes clear from it is the one I've always made: What are you looking for? He gives examples, for instance, of how younger people may want low-cost rewards (dinner, say) that they can get immediately. Others may be mainly interested in the free wifi, lounges and upgrades some hotels offer. And others, like I, who seldom stay in hotels (Airbnb, thank you!) are interested mainly in convertibility to air travel. For those in my...
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Re: Do Airlines offer the Best Loyalty Rewards Programs?
Agreed, especially if you are clever enough to find a great back door to use your points the way you like. I think the point of the video was that your hotel gives you a lot more for the money you spend there than airlines do. I use a generic rewards card in Canada that builds up a dollar amount of bonus. I buy the hotel, flight, car rental I want and the money is returned to me. That way it's simple and easy.
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Re: Traveling Essentials for Everyone
Don't forget to notify your credit card company where and when you will be traveling. Many companies today will suspend your card if you use it outside of your normal places leaving you in a financial bind in your new country. In London I had my bank debit card captured by the ATM for suspected fraud. Also, I suggest a camera with a big zoom lens since many great photo opportunities don't allow you to get close to the attraction.
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Re: Chip Credit Cards to Change the Way US Tips at Restaurants
Actually, that's only one way of looking at it...another is that it may push many people (I included) to resume cash tips. The "convenient" suggested amounts, which even now appear on many slips can be very deceptive, both because they usually place the normal or usual amount as if it were the lowest "acceptable" amount, but also because often—not always—they calculate percent not on the restaurant bill but on the total of the bill plus tax. The difference can be significant. Interestingly,...
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Re: Chip Credit Cards to Change the Way US Tips at Restaurants
In the UK where we've had chip and pin cards for years we never include the tip with the total. Always cash to the waiter. We know how unscrupulous Restaurant owners can be.
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Re: Chip Credit Cards to Change the Way US Tips at Restaurants
It is safer that the card doesn't leave our sight with the chip cards and cash tips seem to be the answer. I don't know the statistics on the percent of people not carrying cash, but I know several young people that almost never carry cash.
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Re: Chip Credit Cards to Change the Way US Tips at Restaurants
We've had suggested amounts for years on the machines. I was just in Ireland where tips weren't usually included as an option on the bill I never had the right amount of cash. Frankly maybe I'm lazy but I don't mind having the option on the machine. It's been a while. Nice to see you all (metaphorically that is).
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Re: Chip Credit Cards to Change the Way US Tips at Restaurants
Note that the tip suggestions on the machines have a habit of creeping up. New York cab tips were about 15% for years, as a standard, and as recently as 2 years ago, a Times survey found that was about the norm. But...when you pay by credit card, the machine offers a choice of 20%, 25% or 30%. To use 15%, you have to go back one step in the process, make a manual entry, and then back to the close-out screen...all while you're trying to get out of the cab and stop holding up traffic. I'll bet...
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Re: Chip Credit Cards to Change the Way US Tips at Restaurants
According to that link I posted above, tipping is up for NY Taxis 10% with those default setting tips and they are expecting an increase at restaurants too now.
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Re: Are ATM's at European airport going to cost you more?
Bank ATMs in the UK are all, I believe "no fee", meaning no use fee charged by the owner bank for using their machines. Other machines and other places, I believe, tell us what the fee will be, if any, before we complete the transaction and allow us to abort if it's too much. And we know that the foreign transaction fee charged by our own cards' bank can vary, usually 1-3%, a given to convert currency using a card. Then there's the exchange rate which has always been the best available using...
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Re: Are ATM's at European airport going to cost you more?
I would love to see this series. BTW, AAA is now offering a no fee refillable ATM card to use overseas and avoid the 1-3% charges from yiur home bank.
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Re: Are ATM's at European airport going to cost you more?
I just opened a Capital One checking account, chip & pin debit card, 1% foreign currency conversion fee, rather than the 3% my local bank charges. The 1% is standard for MasterCard branded debit cards, seems no way to avoid it. But Capital One charges no additional. Will check out the AAA card. The series, 'Anatomy of a Trip', will start September 9th, if all goes as planned (does it ever?)
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Re: Are ATM's at European airport going to cost you more?
Jonathan, do you have a link for the AAA card you mention. This is the one I found: http://www.aaa.com/AAA/Financi..._Travel_Card_FAQ.pdf It charges a 3% foreign transaction fee and it can't be used in some countries I plan to visit. Maybe there's a newer version?
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Re: Are ATM's at European airport going to cost you more?
My computer is not going to the AAA site, but, in looking back at the email, it was a "no purchase fee" card, so that is what I get for not reading the fine print.
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Re: Managing Your Money on the Road
This is a great compehensive post. Time to try and cash the money order that you've been holding! LOL
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Re: The least loved airline fee is...
I think you're right that unavoidability is a big factor in the hatred of bag fees. As you point out, not everyone cancels or bothers to pay a seat fee, and many people carry their own food. The other factor is the sheer size of the fee. A couple with two suitcases, round-trip, have added $100 to their cost (regardless of distance). If they decide to take a bigger case and share it, they save $50, but are now condemned to drag an oversize bag as they go. No wonder some of the loyalty credit...
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Re: A visit to Saudi Arabia: Part I
Wow! Thanks for this fascinating contribution, Lestertheinvestor. I was exhausted just from reading the directions for applying for the visa. It is quite obvious that Saudi Arabia doesn't want infidels visiting them. A few questions you might know the answer to: 1) Is the process stream-lined for a Muslim wanting to go to Mecca, and what kind of proof do they need to have that they're a Muslim? 2) Do you have any rough idea how many hours you spent on this process? Ball-park guess would do.
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Re: A visit to Saudi Arabia: Part I
1) The process is easier for a Muslim who is going on a hajj. However, unless you are native born, you must present a document from the Imam of your mosque documenting your status as a Muslim in good standing. For a Caucasian woman who is a converted Muslim, you must still get permission from your husband or a male relative, along with the letter from the mosque to allow you to make the hajj. 2) Between my wife and I (she actually presented our documents each time to the consulate in Los...
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Re: A visit to Saudi Arabia: Part I
What a bureaucratic nightmare! I wonder if there are countries that make it harder to visit than this one?
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Re: A visit to Saudi Arabia: Part I
Originally Posted by Travel Luver: What a bureaucratic nightmare! I wonder if there are countries that make it harder to visit than this one? My wife and I have visited 119 countries, with China, Bhutan and Saudi Arabia the most challenging to enter.
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Re: A visit to Saudi Arabia: Part I
My husband and I were invited to live there for two years while he did a medical fellowship in genetics. The challenge for me was that I am a very independent traveler, and I could not imagine how I would deal with the restrictions on women. In the end, those restrictions influenced our decision to go to Germany for two years instead. However, after having seen your photos, I am curious to see more. I regret that I do not know this part of the world.
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Re: Check Your Statement! A Big Hotel Credit Card Breach...
You would think the cost of all this fraud would be more than enough to validate new chip and PIN rollout in the USA. Can't quite understand why the US banks are so resistent to this PHeymont. Have you an understanding of what their reasons are?
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Re: Check Your Statement! A Big Hotel Credit Card Breach...
It's been a long path. For a long time, observers thought it was because they were committed to contactless (RFID) technology as the next step...but that hasn't advances as fast as some predicted, and it has big security issues, too. Now that MC and Visa have set down a "you must comply or you will be responsible for fraudulent charges" rule for next year, we're seeing motion. BUT...so far most issuers have been sticking to chip-and-signature, not and-PIN, which guts the whole process.
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Re: Check Your Statement! A Big Hotel Credit Card Breach...
I don't quite see why using a pin would prevent fraud of the type we're seeing on a large scale. Presumably, if the hackers continue to target terminals, the pin would be compromised too. Yes, we could change the pin but it would need to be done immediately, before the damage is done. What am I missing?
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Re: Check Your Statement! A Big Hotel Credit Card Breach...
As I see it, PM, mostly they are just stealing the data off the magnetic strip. Or the PIN in the card has data that can also be copied, but that's a little hard than just scamming the read off the strip. With a PIN, that data, validated by your unique PIN (which you pick) are encrypted and sent off to the bank for approval. Not just the strip data, but the two together are the key. I have a credit card with a Canadian bank (chip and pin) which I prefer to use over the swipe and sign USA...
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Re: Check Your Statement! A Big Hotel Credit Card Breach...
In the most secure system, the PIN is known to you, the user, but is not in your records at the issuer. That's why if you forget your PIN, a new one can be generated, but no one can send you your "lost" PIN the way that passwords can be. In the PIN system, the first communication takes place at the terminal. The terminal reads the PIN from the chip on your card, and asks you to enter it on the pad. If it matches, the terminal does NOT send the PIN to the clearing house or merchant...it only...
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Re: Check Your Statement! A Big Hotel Credit Card Breach...
So, if I understand it then, even if the hackers can read the entered pin keystrokes from the terminal keypad which we enter, it cannot be used without the card with the unique chip, which cannot be duplicated as a magnetic strip can be duplicated?
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Re: Check Your Statement! A Big Hotel Credit Card Breach...
That's correct. It is, of course, not totally impossible to create a duplicate chip, but it takes major equipment, not $5 worth of RadioShack parts...and it would also require much more information than can be harvested easily. The relative security (and it is relative) has driven over 80% of the world's credit card fraud toward the U.S. as other areas become more difficult. And once everyone is on board, the Trojan Horse mag stripe can come off the card as well.
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Re: The Do's & Don'ts of Traveling to a Third World Country
Excellent advice Karina. On the "cash or cards" issue, I have found that the pre-loaded cards (with cash) available from companies like Thomas Cook (UK) & Moneycorp are very useful as you can get cash from an ATM when you need it or use it like a credit card - but the big plus is if it gets lost or stolen you get a fast replacement with the full balance of your account transferred to the new card.