topic Re: Love AMEX Fraud Protection in Credit Cards

Love AMEX Fraud Protection

MsLadyRover — Sat, 09 Feb 2013 01:13:03 GMT

I was purchasing some custom golf clubs online for my hubby's birthday and was attempting to pay with my AMEX through paypal. Purchase was DECLINED and I was confused. Thought they had shut me down for a FR.

So I pulled up my account and saw that they had placed a fraud alert on my account. So I called the number, answered a couple of security questions, and confirmed I was trying to make the purchase with Paypal. Gotta love the protection. I'm just glad I was home online and not in the store because I would have been so embarrassed had the card been declined. LOL.

She took the fraud alert off and told me I could make the purchase now. I did just that and it went through fine. Keep up the good work AMEX!

Re: Love AMEX Fraud Protection

Anonymous — Sat, 09 Feb 2013 01:49:06 GMT

@MsLadyRover wrote:
I was purchasing some custom golf clubs online for my hubby's birthday and was attempting to pay with my AMEX through paypal. Purchase was DECLINED and I was confused. Thought they had shut me down for a FR.
So I pulled up my account and saw that they had placed a fraud alert on my account. So I called the number, answered a couple of security questions, and confirmed I was trying to make the purchase with Paypal. Gotta love the protection. I'm just glad I was home online and not in the store because I would have been so embarrassed had the card been declined. LOL.
She took the fraud alert off and told me I could make the purchase now. I did just that and it went through fine. Keep up the good work AMEX!

Fine, but let us keep Amex love at appropriate levels. AFAIK, EVERY single issuer does this. I've had it from Cap One, Chase, Citi at least.

Re: Love AMEX Fraud Protection

MsLadyRover — Sat, 09 Feb 2013 01:51:20 GMT

SMH.

Re: Love AMEX Fraud Protection

jake619 — Sat, 09 Feb 2013 02:04:25 GMT

I think the point is she was protected. In this case Amex was credited. I don't think this is over the top Amex love.

Re: Love AMEX Fraud Protection

navigatethis12 — Sat, 09 Feb 2013 02:06:15 GMT

To me it's more of an annoyance when this happens, than an appreciation of protection.

Re: Love AMEX Fraud Protection

MsLadyRover — Sat, 09 Feb 2013 02:09:36 GMT

Thanks jake619. That's exactly what I was expressing.

Re: Love AMEX Fraud Protection

Anonymous — Sat, 09 Feb 2013 02:09:47 GMT

@jake619 wrote:
I think the point is she was protected. In this case Amex was credited. I don't think this is over the top Amex love.

OK, but I was reacting to the title "Love AMEX Fraud Protection"

So can I post "Love Capital One's No Interest purchase!!!!"? "I bought lots of things on my Cap One card, starting on Nov 2, I got the statement Nov 25, and paid in full Dec 15. I didn't pay a penny in interest, that's over 45 days interest free for my first purchase. Gotta love Cap One"!

But of course this is Amex so it's different....

Re: Love AMEX Fraud Protection

MsLadyRover — Sat, 09 Feb 2013 02:12:19 GMT

@navigatethis12 wrote:
To me it's more of an annoyance when this happens, than an appreciation of protection.

I can understand that. At the wrong time, it can be quite an inconvenience. I'm sure I would have been very annoyed had I been in the store and it happened.
But it's nice to know that they are looking out for ya.

Re: Love AMEX Fraud Protection

MsLadyRover — Sat, 09 Feb 2013 02:14:22 GMT

@Anonymous wrote:
@jake619 wrote:
I think the point is she was protected. In this case Amex was credited. I don't think this is over the top Amex love.
OK, but I was reacting to the title "Love AMEX Fraud Protection"

So can I post "Love Capital One's No Interest purchase!!!!"? "I bought lots of things on my Cap One card, starting on Nov 2, I got the statement Nov 25, and paid in full Dec 15. I didn't pay a penny in interest, that's over 45 days interest free for my first purchase. Gotta love Cap One"!

But of course this is Amex so it's different....

Not different at all. People have said they love Capital One, they love Citibank, they love Discover...it's no different than me loving AMEX.
I don't see what the big deal is.

Re: Love AMEX Fraud Protection

jake619 — Sat, 09 Feb 2013 02:16:34 GMT

Annoyance comes in degrees. I could argue a fraudulent charge is more annoying than what happened here.

Re: Love AMEX Fraud Protection

navigatethis12 — Sat, 09 Feb 2013 02:34:29 GMT

MsLadyRover wrote
I can understand that. At the wrong time, it can be quite an inconvenience. I'm sure I would have been very annoyed had I been in the store and it happened.
But it's nice to know that they are looking out for ya.

Whenever something like this happens to me it is always after the transaction goes through. Hours and sometimes one day later they will ring and ask about it. Not sure why they do actually let it go through and then question it.

@jake619 wrote:
Annoyance comes in degrees. I could argue a fraudulent charge is more annoying than what happened here.

Well I look at all the cards I have everyday, so a fraudulent charge wouldn't take my by suprise.

Re: Love AMEX Fraud Protection

Mailak — Sat, 09 Feb 2013 03:48:37 GMT

Ooh... if I might add 2 cents here. I had this happen with my Capital One card just a little while back... they let the transactions go through and then blocked my card. I saw it blocked online and called them and they reversed charges and unblocked my card. I was still very happy.

It just happened to me again today with an Amex card. They detected and declined those transactions. Called me on my phone and didn't block my account. They replaced my card/number. Pretty happy here too.

Both organizations have caught fradulent charges and never denied my authentic charges - so I find that impressive in both cases. I would say Amex's approach was slightly better then Capital One's - in my experience of the two. But, I don't love Amex or their Customer Service as I have had issues with them. This rep I talked to today was not bad though.