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Thread: VISA fraud protection

  1. #1
    Junior Member jacki3 is on a distinguished road
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    VISA fraud protection

    I recently bought an ipod online. I received a phone call from the merchant stating that they had a problem processing my credit card and they advised me to call VISA.

    Called my bank, and they said that they put a hold on the order because they thought it was a fraudulent transaction. Now I shop online often, and that ipod barely cost $400. I asked why, but they gave me no real answer, something like ... for the security of your account etc etc. Now, i don't want to have to do this everytime i order something. Don't get me wrong, I like that VISA has this "feature", i just don't want to have people calling me everytime i make a purchase. If the merchant hadn't called me, i would have waited forever since VISA never advised me about the hold on my order.

  2. #2
    Member Althema is on a distinguished road
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    I think it's a good feature that Visa offers. If I'm not mistaken, this doesn't happen everytime you place a large order online. It's happened to me once or twice, but not everytime I have ordered online. If it happened every time, I would get very annoyed.

  3. #3
    Senior Member ltjman22 is an unknown quantity at this point
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    It is a good feature, my capital one visa card is like that sometimes! They want verification of charges sometimes!

  4. #4
    Banned laker110 is on a distinguished road
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    Y, i think its a very good feature provided with VISA . They just have to maintain the records for the security purposes.

  5. #5
    Senior Member Laettner14 is on a distinguished road
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    You say you shop online often, but do you normally charge items at that high of a price? If a credit card company thinks a charge is out of your spending pattern they will flag it for your protection. American Express is really good for this, but they are just protecting themselves.
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  6. #6
    Junior Member jordan333 is on a distinguished road
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    This is only feature which i like the most in VISA but we should see to it that they are dioing so for our own benifit and moreover , this really doesn't happens each and every time, i suppose....

  7. #7
    Senior Member willyoumind is on a distinguished road
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    I have been a VISA credit card holder for over 3 years and I haven't facing any fraud or misuse matters in the period. However, I still think that VISA did a great job for provided this nice feature!

  8. #8
    Junior Member ToP_Designer is on a distinguished road
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    By reading your story , its a rare for me to read , Also its a very good point that Visa is protecting you , As 400$ is a big amount . Also you said you often shop online , would you like to tell how much do you buy Items before ...

  9. #9
    Junior Member herrry.orason is on a distinguished road
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    Re: VISA fraud protection

    (ANS) No.1 Sadly your story is all to common & could literally happen to any of us who have a debit or credit card. (which is most of us).

    No.2 YES! card fraud called "user NOT present" or "card holder not present" is the fastest rising type of crime committed over the web.

    No.3 YES! inform the card company (visa, access, etc) ASAP! and have them cancel or block any further transactions on that specific card (card number). In effect no further funds can be taken off that card number, the card is then useless from then on.

    No.4 YES! its standard practice to issue you the account holder with a new card but this is a hassle & usually takes anything from 1 week to 1 month to issue depending upon the company concerned.

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