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#26 2008-02-11 1:29 pm
- bratboy
- laden with emotion
- Royal Wombat
- From: Austin, Texas
- Registered: 2003-01-19
- Posts: 34106
Re: Credit Card Companies
I ran into a problem using credit cards in college. Maxed a bunch of them out. Now I am down to two and will have both paid off in about 6 months (paying a few hundred a month on each). I will definitely be happy to be done with them.
"One thing we've learned is there's a difference between being disappointed and having madmen in authority."
--Paul Krugman
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#27 2008-02-11 8:13 pm
Re: Credit Card Companies
Daddyo wrote:
resedit wrote:
However, you need a genuine bonafide credit card at many hotels.
I have used my debit card a many good hotels with no problem.
I have too (IE Motel 6) - but I've had it rejected by Holiday Inn because it was Debit and not Credit.
In her right hand Jenny held the Bible of her mother
Jenny had a pistol in the other
-- Steve Taylor
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#28 2008-02-12 1:17 am
- Freezer mac
- iPod scroll wheel
- From: next to a big cold lake.
- Registered: 2001-01-06
- Posts: 7370
Re: Credit Card Companies
justine wrote:
Daddyo wrote:
justine wrote:
Yeah, cash works real well on the internet.You are absolutely right, cash works great on the internet, I have never had my debit card turned down.
I have this thing about using my debit card online. While i have the protection on it that comes with having a Visa debit card, if anything happens, it can tie up all my money. That doesn't happen with a credit card.
edited to add: I will use my debit card online at places i know to be reputable and have dealt with for a long time, though.
the maximum amount you can be charged for a lost/stolen debit card is $50. even if you don't report it lost/stolen.
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#29 2008-02-12 2:52 am
- D'Eyncourt
- OMGDICTATOR
- Registered: 2001-12-27
- Posts: 8806
- Website
Re: Credit Card Companies
Freezer mac wrote:
justine wrote:
Daddyo wrote:
You are absolutely right, cash works great on the internet, I have never had my debit card turned down.
I have this thing about using my debit card online. While i have the protection on it that comes with having a Visa debit card, if anything happens, it can tie up all my money. That doesn't happen with a credit card.
edited to add: I will use my debit card online at places i know to be reputable and have dealt with for a long time, though.the maximum amount you can be charged for a lost/stolen debit card is $50. even if you don't report it lost/stolen.
NOT TRUE--from the FTC:
Credit Card Loss or Fraudulent Charges (FCBA). Your maximum liability under federal law for unauthorized use of your credit card is $50. If you report the loss before your credit cards are used, the FCBA says the card issuer cannot hold you responsible for any unauthorized charges. If a thief uses your cards before you report them missing, the most you will owe for unauthorized charges is $50 per card. Also, if the loss involves your credit card number, but not the card itself, you have no liability for unauthorized use.
After the loss, review your billing statements carefully. If they show any unauthorized charges, it's best to send a letter to the card issuer describing each questionable charge. Again, tell the card issuer the date your card was lost or stolen, or when you first noticed unauthorized charges, and when you first reported the problem to them. Be sure to send the letter to the address provided for billing errors. Do not send it with a payment or to the address where you send your payments unless you are directed to do so.
ATM or Debit Card Loss or Fraudulent Transfers (EFTA). Your liability under federal law for unauthorized use of your ATM or debit card depends on how quickly you report the loss. If you report an ATM or debit card missing before it's used without your permission, the EFTA says the card issuer cannot hold you responsible for any unauthorized transfers. If unauthorized use occurs before you report it, your liability under federal law depends on how quickly you report the loss.
For example, if you report the loss within two business days after you realize your card is missing, you will not be responsible for more than $50 for unauthorized use. However, if you don't report the loss within two business days after you discover the loss, you could lose up to $500 because of an unauthorized transfer. You also risk unlimited loss if you fail to report an unauthorized transfer within 60 days after your bank statement containing unauthorized use is mailed to you. That means you could lose all the money in your bank account and the unused portion of your line of credit established for overdrafts. However, for unauthorized transfers involving only your debit card number (not the loss of the card), you are liable only for transfers that occur after 60 days following the mailing of your bank statement containing the unauthorized use and before you report the loss.
If your debit card liability is limited to $50 then that may be your particular bank's policy.
BOYCOTT SONY
"I think the question now is not whether you went to Vietnam or whether you didn't, whether you fought in the war or fought against the war. I think the only question is whether we can find a president smart enough never to make a mistake like that again"--Molly Ivins, way back in 1992
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#30 2008-02-12 4:54 am
- Arc
- Oh my God.
- Registered: 2000-12-19
- Posts: 2243
Re: Credit Card Companies
Daddyo wrote:
resedit wrote:
However, you need a genuine bonafide credit card at many hotels.
I have used my debit card a many good hotels with no problem.
I visited a Holiday Inn, and they required an actual credit card upon reservation, but allowed payment with debit.
I don't know how widespread this is.
Admins! I've been waiting for you!
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#31 2008-02-12 5:46 am
Re: Credit Card Companies
Arc wrote:
Daddyo wrote:
resedit wrote:
However, you need a genuine bonafide credit card at many hotels.
I have used my debit card a many good hotels with no problem.
I visited a Holiday Inn, and they required an actual credit card upon reservation, but allowed payment with debit.
I don't know how widespread this is.
Here's why -
When you use the credit card, they get an auth on it. The auth is a higher amount than the actual bill will be - so that they can charge you when you smurf up the room.
How you actually pay doesn't matter - they'll take cash or debit. But they want an actual credit card so they can do an auth in case you damage their room.
The auth is larger than an is allowed on most debit cards.
In her right hand Jenny held the Bible of her mother
Jenny had a pistol in the other
-- Steve Taylor
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#32 2008-02-12 5:48 am
Re: Credit Card Companies
That auth is also why you can't use a debit card to rent a car. They have to have a real credit card (you can pay the actual rental payment with cash or debit - but they need real credit card to do an auth).
In her right hand Jenny held the Bible of her mother
Jenny had a pistol in the other
-- Steve Taylor
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#33 2008-02-12 7:14 am
- Daddyo
- hoochie coochie man
- From: the last juke joint
- Registered: 2004-01-24
- Posts: 1881
Re: Credit Card Companies
I have stayed at the Marriott, the Plaza. Hyatt, Radisson, The Menger and Adams Mark with no problems. I have also rented cars with no problem. Maybe it's the MC or Visa logo that makes the difference.
A million seconds is 12 days.
A billion seconds is 31 years.
A trillion seconds is 31,688 years.
Hope and change could be forever.
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#34 2008-02-12 9:09 am
Re: Credit Card Companies
Freezer mac wrote:
justine wrote:
Daddyo wrote:
You are absolutely right, cash works great on the internet, I have never had my debit card turned down.I have this thing about using my debit card online. While i have the protection on it that comes with having a Visa debit card, if anything happens, it can tie up all my money. That doesn't happen with a credit card.
edited to add: I will use my debit card online at places i know to be reputable and have dealt with for a long time, though.the maximum amount you can be charged for a lost/stolen debit card is $50. even if you don't report it lost/stolen.
It has nothing to do with liability and everything to do with funds being tied up during an investigation.
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#35 2008-02-12 9:16 am
- user
- Your plastic pal who's fun to be with
- From: I'm not getting you down, am I
- Registered: 2001-10-15
- Posts: 16027
Re: Credit Card Companies
Smurf up the room?
:: imagines blue goo over all the walls ::
Aw, he's no fun, he fell right over.
Unless you become as little children, there's no way you will believe this crap.
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#36 2008-02-12 11:20 am
- bratboy
- laden with emotion
- Royal Wombat
- From: Austin, Texas
- Registered: 2003-01-19
- Posts: 34106
Re: Credit Card Companies
resedit wrote:
That auth is also why you can't use a debit card to rent a car. They have to have a real credit card (you can pay the actual rental payment with cash or debit - but they need real credit card to do an auth).
I always use a debit card to rent cars and reserve hotel rooms. Maybe you just have to have a certain amount available.
"One thing we've learned is there's a difference between being disappointed and having madmen in authority."
--Paul Krugman
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#37 2008-02-12 10:56 pm
- Freezer mac
- iPod scroll wheel
- From: next to a big cold lake.
- Registered: 2001-01-06
- Posts: 7370
Re: Credit Card Companies
resedit wrote:
Arc wrote:
Daddyo wrote:
I have used my debit card a many good hotels with no problem.I visited a Holiday Inn, and they required an actual credit card upon reservation, but allowed payment with debit.
I don't know how widespread this is.Here's why -
When you use the credit card, they get an auth on it. The auth is a higher amount than the actual bill will be - so that they can charge you when you smurf up the room.
How you actually pay doesn't matter - they'll take cash or debit. But they want an actual credit card so they can do an auth in case you damage their room.
The auth is larger than an is allowed on most debit cards.
more than $3000? really? of course i dont know about "most", but paypal's debit card has a 3k per day limit on spending and a $400 per day limit on atm. also you have 100% protection against unauthorized charges (eg iif your card is lost/stolen)
source
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#38 2008-02-13 4:06 am
Re: Credit Card Companies
bratboy wrote:
resedit wrote:
That auth is also why you can't use a debit card to rent a car. They have to have a real credit card (you can pay the actual rental payment with cash or debit - but they need real credit card to do an auth).
I always use a debit card to rent cars and reserve hotel rooms. Maybe you just have to have a certain amount available.
It's policy of all the car rental places here in CA.
You can't rent w/o a credit card.
Maybe your bank ties a credit card to your debit card.
However, regardless of the type of rate, the rental agency will require a credit card as a deposit when you pick up the car. (Some rental locations may accept debit/check cards for deposits but may have additional requirements such as requesting proof of a roundtrip transportation itinerary in order to rent the vehicle.)
http://www.hotwire.com/customer-care/ca … cardNoLogo
When renting in the U.S., debit and check cards may only be used in conjunction with proof of a round trip travel ticket (airline, cruise ship or train) at time of rental.
A debit/check card is considered to be any non-credit card bearing the VISA, MasterCard or Discover Card logo.
Any other non-credit card without the VISA, MasterCard or Discover Card logo is not accepted.
For pick-ups in the United States, without proof of roundtrip ticket, debit or check cards are only accepted when returning the vehicle.
A credit card in the name of the renter must be presented at the time of pick-up.
http://www.nationalcar.com/itemDetails. … ItemID=DEB
New car rental rules represent the first case in which debit cards cannot be used in the same way as credit cards. The big car rental companies, including Hertz and Avis, have recently stopped letting people rent cars using just a Visa Check card or the similar Master Money card from MasterCard. The card companies, and the banks that issue these cards - known as debit cards - are furious. And so are some customers.
http://www.in.gov/dfi/education/debit_vs.htm
For many more -
http://www.ncnblog.com/2007/04/18/can-i … ent-a-car/
In her right hand Jenny held the Bible of her mother
Jenny had a pistol in the other
-- Steve Taylor
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#39 2008-02-13 11:43 am
- bratboy
- laden with emotion
- Royal Wombat
- From: Austin, Texas
- Registered: 2003-01-19
- Posts: 34106
Re: Credit Card Companies
Hmmm, I've never had a problem.
"One thing we've learned is there's a difference between being disappointed and having madmen in authority."
--Paul Krugman
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#40 2009-01-29 1:49 am
Re: Credit Card Companies
justine wrote:
Daddyo wrote:
justine wrote:
Yeah, cash works real well on the internet.
You are absolutely right, cash works great on the internet, I have never had my debit card turned down.
I have this thing about using my debit card online. While i have the protection on it that comes with having a Visa debit card, if anything happens, it can tie up all my money. That doesn't happen with a credit card.
edited to add: I will use my debit card online at places i know to be reputable and have dealt with for a long time, though.
You can have a second account that your internet use debit card is tied to.
That's what I do - it's also the account my PayPal is tied to - so that should my PayPal login ever be stolen, they can't clear out my real bank account.
One has to be extremely careful online.
For example, recently it was revealed that some banks were using the same session ID for their secure site as their insecure site, meaning that if your cookie was intercepted by a hacker (during your use of the banks insecure site or via an XSS attack) they could use that cookie to pose as you to the bank.
Furthermore, some banks that only had SSL pages did not send the cookie with session information as SSL only, again exposing it to XSS exploits.
That's why I surf with a script blocker (noscript) - when I need JavaScript for a website to function properly, I enable it for that website - but third party javascripts that the website wants to run in my browser (which is how most XSS exploits work) are still blocked.
Last edited by resedit (2009-01-29 1:49 am)
In her right hand Jenny held the Bible of her mother
Jenny had a pistol in the other
-- Steve Taylor
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#41 2009-01-29 1:57 am
Re: Credit Card Companies
btw - I did have my eBay account hijacked once - I have absolutely no clue how, fortunately I use a different password for PayPal (which I changed immediately just in case) and eBay caught the account hijack before any damage was done - apparently the guy got a bunch of eBay accounts (makes me suspect XSS, maybe even within eBay's own site - such as a listing that wasn't properly cleaned of scripts before it was posted, but I don't know) and used all those accounts to make false listings that were similar enough that eBay caught it fairly quickly and disabled the accounts until the legitimate users could prove who they were.
And no - I didn't respond to a phishing attempt - that's not how he got it. Any messages that look even remotely legitimate from eBay, I log in to eBay directly and they are in my message center there.
Last edited by resedit (2009-01-29 1:58 am)
In her right hand Jenny held the Bible of her mother
Jenny had a pistol in the other
-- Steve Taylor
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#42 2009-01-29 5:35 am
- Pariah
- James Carville Fan..
- From: Belly Of The Beast, Oklahoma!
- Registered: 2001-05-24
- Posts: 18402
Re: Credit Card Companies
Maybe it's that I have been online so long but after the smurf Paypal used to pull I just can't bring myself to consider them a ligit company.
Kinda like the way I avoid Real player even tho they seem to have cleaned up their act.
"and it's not surprising that they get bitter, they cling to guns or religion or antipathy to people who aren't like them or anti-immigrant sentiment or anti-trade sentiment as a way to explain their frustrations."
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#44 2009-01-29 6:01 am
Re: Credit Card Companies
Pariah wrote:
Maybe it's that I have been online so long but after the smurf Paypal used to pull I just can't bring myself to consider them a ligit company.
Kinda like the way I avoid Real player even tho they seem to have cleaned up their act.
I can't go without them.
When selling snakes, PayPal really is the only way. Since it is a hobby and not a business, getting a merchant account is both out of the question and more expensive than PayPal. Also, when I tried selling on eBay without PayPal to see if it could be done - the amount of bids plummeted and many who did win insisted on paying with PayPal anyway. Fortunately I didn't close my PayPal account when I did the experiment - otherwise I would have had to re-list on those items.
In her right hand Jenny held the Bible of her mother
Jenny had a pistol in the other
-- Steve Taylor
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#45 2009-01-29 9:20 am
- mrreet2001
- Member
- From: NW Ohio
- Registered: 2005-05-25
- Posts: 4334
- Website
Re: Credit Card Companies
Not bad only 14ish days from being a full year zombie. 
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"So he fels down in a poisoning gas."
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#46 2009-01-29 9:28 am
Re: Credit Card Companies
mrreet2001 wrote:
Not bad only 14ish days from being a full year zombie.
It looks I revived it - which is weird, because it was on the first page, unless someone revived it and then deleted their post.
In her right hand Jenny held the Bible of her mother
Jenny had a pistol in the other
-- Steve Taylor
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#48 2009-01-29 9:57 am
- longboy
- aka "shorty"
- From: Colorado
- Registered: 2005-03-08
- Posts: 494
Re: Credit Card Companies
Looks like heresunil revived it (per my email subscription), but that post is gone-
User.
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#49 2009-01-29 10:07 am
Re: Credit Card Companies
The only post removed from this thread was by sharoosunidhi, which was removed sometime during the late night/early morning hours. I'm sure that same person will come back with a new nick for a third time.
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#50 2009-01-30 7:39 pm
- bratboy
- laden with emotion
- Royal Wombat
- From: Austin, Texas
- Registered: 2003-01-19
- Posts: 34106
Re: Credit Card Companies
why is this thread attracting the spam
"One thing we've learned is there's a difference between being disappointed and having madmen in authority."
--Paul Krugman
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