Wonderful. Checking the statement of my corporate card, it appears I did a 2-day trip to Austria and Florida last month.
And of course, all their lines are busy and I'm told to call back later.
Hopefully, it won't be a problem to prove I didn't make these expenses. What with not having a valid passport and all and my card still in my wallet.
Hope you enjoyed your trips.
Quote from: viper37 on September 21, 2011, 11:46:22 AM
Wonderful. Checking the statement of my corporate card, it appears I did a 2-day trip to Austria and Florida last month.
And of course, all their lines are busy and I'm told to call back later.
Hopefully, it won't be a problem to prove I didn't make these expenses. What with not having a valid passport and all and my card still in my wallet.
Visa was pretty good when I got hit. They refunded the money into my account after I signed an affidavit to the effect that it wasn't my withdrawals, without any fuss. Plus, they discovered the fraud before I did.
The big annoyance was having the card cancelled.
I got VISA refund me some online poker stuff, so they are rather nice about it.
Quote from: Malthus on September 21, 2011, 12:52:59 PM
The big annoyance was having the card cancelled.
Yeah this was the worst part in my experience as well.
Quote from: MadBurgerMaker on September 21, 2011, 01:46:23 PM
Quote from: Malthus on September 21, 2011, 12:52:59 PM
The big annoyance was having the card cancelled.
Yeah this was the worst part in my experience as well.
Yeah, I'll have to reset all the automatic payments on it.
Quote from: viper37 on September 21, 2011, 11:46:22 AM
Wonderful. Checking the statement of my corporate card, it appears I did a 2-day trip to Austria and Florida last month.
And of course, all their lines are busy and I'm told to call back later.
Hopefully, it won't be a problem to prove I didn't make these expenses. What with not having a valid passport and all and my card still in my wallet.
Dunno if things differ in Canada, but in the US your liability with both Visa & MasterCard is zero as long as you haven't done anything incredibly stupid to compromise your card info, you promptly report the unauthorized charges, and don't have a big past history of unauthorized charges on the card. You'd need to sign a letter stating you didn't authorize the transactions, but other than that (plus having your card closed & having to get a new one) there should be very little hassle involved with getting the charges credited back to your account. The bank may have to eat some of the fraud, but the cardholder wouldn't.
Again, this is all in the US. Dunno what Canadian laws or Visa/MC/Amex or whatever operating rules are like up there.
Quote from: derspiess on September 21, 2011, 02:15:31 PM
Quote from: viper37 on September 21, 2011, 11:46:22 AM
Wonderful. Checking the statement of my corporate card, it appears I did a 2-day trip to Austria and Florida last month.
And of course, all their lines are busy and I'm told to call back later.
Hopefully, it won't be a problem to prove I didn't make these expenses. What with not having a valid passport and all and my card still in my wallet.
Dunno if things differ in Canada, but in the US your liability with both Visa & MasterCard is zero as long as you haven't done anything incredibly stupid to compromise your card info, you promptly report the unauthorized charges, and don't have a big past history of unauthorized charges on the card. You'd need to sign a letter stating you didn't authorize the transactions, but other than that (plus having your card closed & having to get a new one) there should be very little hassle involved with getting the charges credited back to your account. The bank may have to eat some of the fraud, but the cardholder wouldn't.
Again, this is all in the US. Dunno what Canadian laws or Visa/MC/Amex or whatever operating rules are like up there.
See my note above: it's the same here in Canada.
Quote from: viper37 on September 21, 2011, 02:13:24 PM
Quote from: MadBurgerMaker on September 21, 2011, 01:46:23 PM
Quote from: Malthus on September 21, 2011, 12:52:59 PM
The big annoyance was having the card cancelled.
Yeah this was the worst part in my experience as well.
Yeah, I'll have to reset all the automatic payments on it.
That actually proved useful, as I was making so many automatic payments on shit ... forced my to reconsider the necessity of a couple of subscriptions I had. :D
Quote from: Malthus on September 21, 2011, 02:27:56 PM
Quote from: viper37 on September 21, 2011, 02:13:24 PM
Quote from: MadBurgerMaker on September 21, 2011, 01:46:23 PM
Quote from: Malthus on September 21, 2011, 12:52:59 PM
The big annoyance was having the card cancelled.
Yeah this was the worst part in my experience as well.
Yeah, I'll have to reset all the automatic payments on it.
That actually proved useful, as I was making so many automatic payments on shit ... forced my to reconsider the necessity of a couple of subscriptions I had. :D
*cough* porn *cough*
Quote from: Martinus on September 21, 2011, 02:46:00 PM
*cough* porn *cough*
There exist people who pay for porn? :hmm:
Quote from: Malthus on September 21, 2011, 02:27:56 PM
Quote from: viper37 on September 21, 2011, 02:13:24 PM
Quote from: MadBurgerMaker on September 21, 2011, 01:46:23 PM
Quote from: Malthus on September 21, 2011, 12:52:59 PM
The big annoyance was having the card cancelled.
Yeah this was the worst part in my experience as well.
Yeah, I'll have to reset all the automatic payments on it.
That actually proved useful, as I was making so many automatic payments on shit ... forced my to reconsider the necessity of a couple of subscriptions I had. :D
corporate card. Only the absolute necessity is there. It's the first thing tax collectors will look at to identify personal expenses, so I make sure I can justify everything. Porn and erotic massage are probably not justifiable for my line of work ;)
Quote from: Malthus on September 21, 2011, 02:47:14 PM
There exist people who pay for porn? :hmm:
Someone needs to actually buy the porn at least once before uploading it to P2P site ;)
Quote from: viper37 on September 21, 2011, 03:01:11 PM
Quote from: Malthus on September 21, 2011, 02:27:56 PM
Quote from: viper37 on September 21, 2011, 02:13:24 PM
Quote from: MadBurgerMaker on September 21, 2011, 01:46:23 PM
Quote from: Malthus on September 21, 2011, 12:52:59 PM
The big annoyance was having the card cancelled.
Yeah this was the worst part in my experience as well.
Yeah, I'll have to reset all the automatic payments on it.
That actually proved useful, as I was making so many automatic payments on shit ... forced my to reconsider the necessity of a couple of subscriptions I had. :D
corporate card. Only the absolute necessity is there. It's the first thing tax collectors will look at to identify personal expenses, so I make sure I can justify everything. Porn and erotic massage are probably not justifiable for my line of work ;)
"Executive stress release (not covered by provincial medicare)" ;)
Quote from: Malthus on September 21, 2011, 02:47:14 PM
There exist people who pay for porn? :hmm:
I've always wondered how porn sites pay their bills :mellow:
Quote from: Martinus on September 21, 2011, 03:22:22 PM
Quote from: Malthus on September 21, 2011, 02:47:14 PM
Quote from: Martinus on September 21, 2011, 02:46:00 PM
*cough* porn *cough*
There exist people who pay for porn? :hmm:
Not everyone prefers vanilla. :uffda:
you can get all the party flavours you want for free too. For every fetish you have there's someone out there with the same fetish and a collection he's willing to share :D
How good is public domain porn?
Quote from: HVC on September 21, 2011, 03:28:16 PM
Quote from: Martinus on September 21, 2011, 03:22:22 PM
Quote from: Malthus on September 21, 2011, 02:47:14 PM
Quote from: Martinus on September 21, 2011, 02:46:00 PM
*cough* porn *cough*
There exist people who pay for porn? :hmm:
Not everyone prefers vanilla. :uffda:
you can get all the party flavours you want for free too. For every fetish you have there's someone out there with the same fetish and a collection he's willing to share :D
There's not enough of this for a daily wank, and most of it is rather poor quality.
Quote from: The Brain on September 21, 2011, 03:32:03 PM
How good is public domain porn?
On average pretty crappy but can be good. The problem is lack of consistent quality.
Hey for the real weirdos, there's now PETA porn:
http://www.huffingtonpost.com/2011/08/19/peta-porn-site_n_931509.html
QuoteSo how pornographic will PETA go? According to Rajt, it will have enough adult content to qualify for the XXX domain site but also some other graphic images of animals that viewers may not expect to see.
Australia's Herald Sun reports that "PETA's sexy side displayed in galleries and videos will quickly give way to the sinister world of animal mistreatment uncovered by the group's hidden camera investigations in a very different kind of graphic content."
Quote from: MadBurgerMaker on September 21, 2011, 03:36:43 PM
Hey for the real weirdos, there's now PETA porn:
http://www.huffingtonpost.com/2011/08/19/peta-porn-site_n_931509.html
QuoteSo how pornographic will PETA go? According to Rajt, it will have enough adult content to qualify for the XXX domain site but also some other graphic images of animals that viewers may not expect to see.
Australia's Herald Sun reports that "PETA's sexy side displayed in galleries and videos will quickly give way to the sinister world of animal mistreatment uncovered by the group's hidden camera investigations in a very different kind of graphic content."
Good luck finding people who are interested in both BDSM and bestiality.
Quote from: Malthus on September 21, 2011, 03:08:44 PM
"Executive stress release (not covered by provincial medicare)" ;)
If you were a fiscalist, I might have a job for you :P
Turns out they were already aware of the fraud. 7 other transactions happened between my account statement and today, all in Euros or US$.
They've already cancelled my card, but they never called me... Weird. I'll have to sign an affidavit as you said, I should get in the mail pretty soon.
I wonder what happens to the merchants who authorized the card, assuming there's no fraud on their part, are they still getting paid for their transaction?
I am under the impression that that is a part of the service that a company like Visa provides-- an assurance that you won't get screwed by using/accepting the card. That would apply both to the cardholder and the merchant.
Quote from: Maximus on September 21, 2011, 05:19:17 PM
I am under the impression that that is a part of the service that a company like Visa provides-- an assurance that you won't get screwed by using/accepting the card. That would apply both to the cardholder and the merchant.
The bank that issues the card ends up absorbing the losses (minus whatever few items they're able to charge back to the merchant). Visa only forces them to do so.
Quote from: derspiess on September 21, 2011, 06:27:05 PM
Quote from: Maximus on September 21, 2011, 05:19:17 PM
I am under the impression that that is a part of the service that a company like Visa provides-- an assurance that you won't get screwed by using/accepting the card. That would apply both to the cardholder and the merchant.
The bank that issues the card ends up absorbing the losses (minus whatever few items they're able to charge back to the merchant). Visa only forces them to do so.
i do know that credit card companies charge based on risk of fraud. As a vender you pay over twice as much to the credit card for processing a over the phone transaction then you do a face to face one.
A good friend of mine worked for a couple of years back in the day monitoring this kind of incidents for a bank, and he said that everytime a card showed unusual movements (many operations for big money in succession, several charges from abroad in a short period of time) they'd flag it and contact the account holder to check on that. Many times they got hold of stuff way before the person who had been scammed even realized it, and not just for small money, and normally everything would be refunded and irregular charges annulled, I guess insurance would cover them.
Apparently the activity which came higher amongst their incidents were hookers in clubs. One day they got a guy who had his card cancelled at the insistence of his wife who wanted a refund for a wild night when he spent something like a thousand euros on hookers and afterwards claimed that he got his card stolen, and denied it even after being presented with the receipts he had signed.
Ironically, I think the only time my bank has ever contacted me immediately about a "questionable" purchase was right after I bought something from Paradox. :lol:
Citibank has a problem with sucky maps. :yes:
Speaking of shitty Paradox, WHERE IS MY PRIDE OF NATIONS PATCH? And none of that beta shit either. I didn't pay 20 bones to be a beta tester.
Fuck Paradox.
Quote from: viper37 on September 21, 2011, 04:36:00 PM
Quote from: Malthus on September 21, 2011, 03:08:44 PM
"Executive stress release (not covered by provincial medicare)" ;)
If you were a fiscalist, I might have a job for you :P
Turns out they were already aware of the fraud. 7 other transactions happened between my account statement and today, all in Euros or US$.
They've already cancelled my card, but they never called me... Weird. I'll have to sign an affidavit as you said, I should get in the mail pretty soon.
I wonder what happens to the merchants who authorized the card, assuming there's no fraud on their part, are they still getting paid for their transaction?
I believe the bank eats the loss.
Also, I've discovered it is a really good idea to tell your credit card company if you are travelling overseas ... otherwise, they might cancel your card when you are in East Buttfuckistan, and you will have lots o fun trying to explain why your card doesn't work to a East Buttfuckistanian merchant you just bought $2,000 worth of tourist tat from. ;)
Who the fuck buys a stroller in East Buttfuckistan?
Quote from: Malthus on September 22, 2011, 08:08:47 AM
Also, I've discovered it is a really good idea to tell your credit card company if you are travelling overseas ... otherwise, they might cancel your card when you are in East Buttfuckistan, and you will have lots o fun trying to explain why your card doesn't work to a East Buttfuckistanian merchant you just bought $2,000 worth of tourist tat from. ;)
Yes, I've had this problem twice when travelling to the US :P
Quote from: Malthus on September 22, 2011, 08:08:47 AM
I believe the bank eats the loss.
Yep.
QuoteAlso, I've discovered it is a really good idea to tell your credit card company if you are travelling overseas ... otherwise, they might cancel your card when you are in East Buttfuckistan, and you will have lots o fun trying to explain why your card doesn't work to a East Buttfuckistanian merchant you just bought $2,000 worth of tourist tat from. ;)
While we're doing helpful hints for travelers, let me add that anyone traveling overseas should carry with them *more than one* credit card so that they have a backup means of payment. I don't know how many times I've heard through my customers (which are mostly small-sized banks) that Mr. Smith is traveling in Tuscany and lost his *debit* card, which was the only card he took with him and I need to magically teleport a replacement card to him today.
Quote from: Malthus on September 22, 2011, 08:08:47 AM
Also, I've discovered it is a really good idea to tell your credit card company if you are travelling overseas ... otherwise, they might cancel your card when you are in East Buttfuckistan, and you will have lots o fun trying to explain why your card doesn't work to a East Buttfuckistanian merchant you just bought $2,000 worth of tourist tat from. ;)
I have a friend who travels frequently to the east coast. When travelling through Ohio, he has to make sure he remembers not to use his credit card because his bank labels all transaction in Ohio as fraud. He's had it cancelled on him a couple times.
:)
We need his card to buy Sutafed.
Quote from: Malthus on September 22, 2011, 08:08:47 AM
I believe the bank eats the loss.
I called them, once, for my personal card. I had a purchase in Quebec city on New Year's Eve, and although the details of what I did that night were fuzzy ;) , I clearly remember I was home. I simply asked for a copy of the receipt, because I said it could be me, I just didn't remember, it could have been an internet transaction, but the name on the statement didn't mean anything to me.
Instead, they cancelled the transaction and I got an email from the merchant telling me they received a charge-back, and I had to re-do the transaction.
So, I was just wondering the procedure, it seems to change from time to time.
Quote from: Ed Anger on September 22, 2011, 09:31:07 AM
:)
We need his card to buy Sutafed.
It's Sudafed. The Walter White method doesn't use that anymore :nerd:
Quote from: Zoupa on September 22, 2011, 09:57:45 PM
Quote from: Ed Anger on September 22, 2011, 09:31:07 AM
:)
We need his card to buy Sutafed.
It's Sudafed. The Walter White method doesn't use that anymore :nerd:
Tell the Kentuckians who drive up here to buy it. Stupid fucks walk right into Walgreens and try to buy more than one box of the stuff. :rolleyes:
Over the last few years Bank of America has contacted me a couple of times when they suspected fraud, so they stopped it before it became anything expensive. They would then reissue me a new card. My credit cards are handled by BoA, even ones not in their name, and they've done a good job so far with fraud stuff.
Quote from: Ed Anger on September 23, 2011, 08:55:34 AM
Quote from: Zoupa on September 22, 2011, 09:57:45 PM
Quote from: Ed Anger on September 22, 2011, 09:31:07 AM
:)
We need his card to buy Sutafed.
It's Sudafed. The Walter White method doesn't use that anymore :nerd:
Tell the Kentuckians who drive up here to buy it. Stupid fucks walk right into Walgreens and try to buy more than one box of the stuff. :rolleyes:
Classic. :lol: We keep it behind the counter now.
You can spot the meth heads a mile away anyways.
Even better is when the cops pop their trunk and it is full of Sudafed.