SoFi Card/support Rant (and Citizens love)

[longtimelurker]

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@CardGameStrong wrote:

I use my SoFi card in Canada all the time, both by using the card, or the tap feature via Google Pay, I have never had any problems.  

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Are these in person?   I am doing the slightly more risky: in US, UK website, shipping to UK address transaction.   Most credit cards might query, but would also accept a "Yes it's me" fraud reply as enough.

[longtimelurker]

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@Remedios wrote:

@longtimelurker  why this particular card for foreign transactions? You gotta have others (in addition to Citizens). 

Is it the earning rate?  

It just seems a little on ridiculous side to prominently advertise "No foreign transaction fee" when the reality seems to be "No foreign transaction fee because we will never allow foreign transaction"  

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Yes, just the earning rate.   When I am there, I just use AR, but for card not present, 1.8% isn't enough!   Except now it is.

[Remedios]

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@longtimelurker wrote:

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@Remedios wrote:

@longtimelurker  why this particular card for foreign transactions? You gotta have others (in addition to Citizens). 

Is it the earning rate?  

It just seems a little on ridiculous side to prominently advertise "No foreign transaction fee" when the reality seems to be "No foreign transaction fee because we will never allow foreign transaction"  

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Yes, just the earning rate.   When I am there, I just use AR, but for card not present, 1.8% isn't enough!   Except now it is.

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I'll put this at #9 on WatchLLT "Top Ten annoying credit things" 

Minimum redemption is #2

[CardGameStrong]

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@longtimelurker wrote:

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@CardGameStrong wrote:

I use my SoFi card in Canada all the time, both by using the card, or the tap feature via Google Pay, I have never had any problems.  

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Are these in person?   I am doing the slightly more risky: in US, UK website, shipping to UK address transaction.   Most credit cards might query, but would also accept a "Yes it's me" fraud reply as enough.

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Both in person and online. 

[longtimelurker]

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@Remedios wrote:

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@longtimelurker wrote:

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@Remedios wrote:

@longtimelurker  why this particular card for foreign transactions? You gotta have others (in addition to Citizens). 

Is it the earning rate?  

It just seems a little on ridiculous side to prominently advertise "No foreign transaction fee" when the reality seems to be "No foreign transaction fee because we will never allow foreign transaction"  

---

Yes, just the earning rate.   When I am there, I just use AR, but for card not present, 1.8% isn't enough!   Except now it is.

---

I'll put this at #9 on WatchLLT "Top Ten annoying credit things" 

Minimum redemption is #2

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Well, number 2 was increment redemptions (e.g. multiples of $25).   But since both Amex and USAlliance have stopped dpoing this, it might be drifting down.  And, going back a bit, #1 is people who call in requesting  unneeded CLIs all the time (because it is there), causing unnecessary costs for the issuer, which then impacts everyone.   God, I still get angry when I think about that!

[longtimelurker]

FWIW, doing an Amazon UK reload works fine.   So there is potentially a "simple" workaround!   Reload then use account to pay.   Thank goodness for Fintech!

[Remedios]

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@longtimelurker wrote:

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@Remedios wrote:

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@longtimelurker wrote:

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@Remedios wrote:

@longtimelurker  why this particular card for foreign transactions? You gotta have others (in addition to Citizens). 

Is it the earning rate?  

It just seems a little on ridiculous side to prominently advertise "No foreign transaction fee" when the reality seems to be "No foreign transaction fee because we will never allow foreign transaction"  

---

Yes, just the earning rate.   When I am there, I just use AR, but for card not present, 1.8% isn't enough!   Except now it is.

---

I'll put this at #9 on WatchLLT "Top Ten annoying credit things" 

Minimum redemption is #2

---

Well, number 2 was increment redemptions (e.g. multiples of $25).   But since both Amex and USAlliance have stopped dpoing this, it might be drifting down.  And, going back a bit, #1 is people who call in requesting  unneeded CLIs all the time (because it is there), causing unnecessary costs for the issuer, which then impacts everyone.   God, I still get angry when I think about that!

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Slight correction according to sources that wish to stay anonymous,  the person in question never called for CLI, person was hitting the button till that faithful day when person in question had to call regarding  unrelated issue (they read online that CSR can see requests), so they asked if they can see requests. 

The person in question did not ask since. 

[FinStar]

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@Remedios wrote:

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@longtimelurker wrote:

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@Remedios wrote:

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@longtimelurker wrote:

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@Remedios wrote:

@longtimelurker  why this particular card for foreign transactions? You gotta have others (in addition to Citizens). 

Is it the earning rate?  

It just seems a little on ridiculous side to prominently advertise "No foreign transaction fee" when the reality seems to be "No foreign transaction fee because we will never allow foreign transaction"  

---

Yes, just the earning rate.   When I am there, I just use AR, but for card not present, 1.8% isn't enough!   Except now it is.

---

I'll put this at #9 on WatchLLT "Top Ten annoying credit things" 

Minimum redemption is #2

---

Well, number 2 was increment redemptions (e.g. multiples of $25).   But since both Amex and USAlliance have stopped dpoing this, it might be drifting down.  And, going back a bit, #1 is people who call in requesting  unneeded CLIs all the time (because it is there), causing unnecessary costs for the issuer, which then impacts everyone.   God, I still get angry when I think about that!

---

Slight correction according to sources that wish to stay anonymous,  the person in question never called for CLI, person was hitting the button till that faithful day when person in question had to call regarding  unrelated issue (they read online that CSR can see requests), so they asked if they can see requests. 

The person in question did not ask since. 

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Ah yes, this was Discover, wasn't it? 😂

[notmyrealname23]

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@Remedios wrote:

@longtimelurker  why this particular card for foreign transactions? You gotta have others (in addition to Citizens). 

Is it the earning rate?  

It just seems a little on ridiculous side to prominently advertise "No foreign transaction fee" when the reality seems to be "No foreign transaction fee because we will never allow foreign transaction"  

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I spent two trips in the UK using a SoFi card this October and November (since AMEX cards are often ☠️ there, this became the "non AMEX default"). Boots and local stores didn't have problems. ¯\_(ツ)_/¯ 

[Remedios]

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@FinStar wrote:

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@Remedios wrote:

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@longtimelurker wrote:

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@Remedios wrote:

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@longtimelurker wrote:

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@Remedios wrote:

@longtimelurker  why this particular card for foreign transactions? You gotta have others (in addition to Citizens). 

Is it the earning rate?  

It just seems a little on ridiculous side to prominently advertise "No foreign transaction fee" when the reality seems to be "No foreign transaction fee because we will never allow foreign transaction"  

---

Yes, just the earning rate.   When I am there, I just use AR, but for card not present, 1.8% isn't enough!   Except now it is.

---

I'll put this at #9 on WatchLLT "Top Ten annoying credit things" 

Minimum redemption is #2

---

Well, number 2 was increment redemptions (e.g. multiples of $25).   But since both Amex and USAlliance have stopped dpoing this, it might be drifting down.  And, going back a bit, #1 is people who call in requesting  unneeded CLIs all the time (because it is there), causing unnecessary costs for the issuer, which then impacts everyone.   God, I still get angry when I think about that!

---

Slight correction according to sources that wish to stay anonymous,  the person in question never called for CLI, person was hitting the button till that faithful day when person in question had to call regarding  unrelated issue (they read online that CSR can see requests), so they asked if they can see requests. 

The person in question did not ask since. 

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Ah yes, this was Discover, wasn't it? 😂

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I'm sorry, I can neither confirm nor deny that it was Discover