Chase CSP travel alert questions

[eddie84]

Maybe Amex is installing some GPS tracker inside the new EMV chip cards and is so eager to upgrade all of our cards. lol

[djc1puno]

Lmao... Amex must have been busy w emv chip requests these past week and half considering us addicts w amexs...lol

[CreditScholar]

Chase doesn't seem to care were I go anymore, and I've never had an issue with acceptance even when I don't notify them beforehand. However I'll still call ahead though if I'm going somewhere I've never been to.

[red259]

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@CreditScholar wrote:

Chase doesn't seem to care were I go anymore, and I've never had an issue with acceptance even when I don't notify them beforehand. However I'll still call ahead though if I'm going somewhere I've never been to.

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I feel the same way. Even moreso if I am leaving the country as I want to limit the chance of having a hassle with the credit card company if I try to make a purchase out of my normal geographical area. 

[enharu]

Its best to call them and inform them about it if this is the first time you are traveling to those places.

Once you have established a usage pattern overseas, you will not have to call in the future.

[CreditScholar]

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@enharu wrote:
Its best to call them and inform them about it if this is the first time you are traveling to those places.

Once you have established a usage pattern overseas, you will not have to call in the future.

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+1. There's probably a way to have your account flagged as a frequent traveller or something similar. This will probably reduce the number of issues you have regarding declines by a lot.

[TheConductor]

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@CreditScholar wrote:

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@enharu wrote:
Its best to call them and inform them about it if this is the first time you are traveling to those places.

Once you have established a usage pattern overseas, you will not have to call in the future.

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+1. There's probably a way to have your account flagged as a frequent traveller or something similar. This will probably reduce the number of issues you have regarding declines by a lot.

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+2  My experience has been that after my first couple of long-term foreign vacations, all of my creditors saw me as a frequent foreign traveler.  When I called subsequently, they said "No reason to call us, we know you make frequent foreign visits."  Interestingly, I do still occasionally get fraud alerts if I buy something online from a website based in the UK or EU.  So I think most creditors do have some kind of a "pattern of location" algorithm that helps their fraud detection figure out if you are near where the charge is being made.

[CreditScholar]

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@TheConductor wrote:

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@CreditScholar wrote:

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@enharu wrote:
Its best to call them and inform them about it if this is the first time you are traveling to those places.

Once you have established a usage pattern overseas, you will not have to call in the future.

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+1. There's probably a way to have your account flagged as a frequent traveller or something similar. This will probably reduce the number of issues you have regarding declines by a lot.

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+2  My experience has been that after my first couple of long-term foreign vacations, all of my creditors saw me as a frequent foreign traveler.  When I called subsequently, they said "No reason to call us, we know you make frequent foreign visits."  Interestingly, I do still occasionally get fraud alerts if I buy something online from a website based in the UK or EU.  So I think most creditors do have some kind of a "pattern of location" algorithm that helps their fraud detection figure out if you are near where the charge is being made.

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I think it's because there is a higher risk with using your CC for online purchases, since that's where a lot of fraud takes place. They do seem to track where you go quite well these days, and they seem to have a good memory regarding where you've been. I can go to pretty much any city in Asia and have no issues even without giving advance notice (Tokyo, HK, KL, Singapore, Seoul, Bangkok, etc.). However since I rarely travel to Europe, the last time I forgot to call ahead and ran into a few issues.

[longtimelurker]

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@TheConductor wrote:

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+2  My experience has been that after my first couple of long-term foreign vacations, all of my creditors saw me as a frequent foreign traveler.  When I called subsequently, they said "No reason to call us, we know you make frequent foreign visits."  Interestingly, I do still occasionally get fraud alerts if I buy something online from a website based in the UK or EU.  So I think most creditors do have some kind of a "pattern of location" algorithm that helps their fraud detection figure out if you are near where the charge is being made.

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Sometimes hard to know which websites are bad.  I get blocked by Cap One whenever I use a UK mobile top-up site.  I wondered why and got an explanation (no idea if it really true!).  In the US, a common pattern for a stolen credit card is for a thief to make a test purchase at an urban gas station late at night.   In the UK, the test purchase is to try to use it to top up an unregisted SIM on the web.....