SoFi Card/support Rant (and Citizens love)

[longtimelurker]

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@notmyrealname23 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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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)_/¯ 

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Yes, I wouldn't expect trouble at stores (well, I would always use the AR in the UK anyway!).   Comparing my failures and successes, online issuers arise if I try to ship it not to my home (latest Amazon UK) and/or if the billing address cannot be entered (insurance).  But that's a total sample size of 5 transactions.   

@Remedios , feel free to send me your US address and I will see if shipping there causes an issue.   The usual stuff, I suppose?

[Remedios]

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@longtimelurker wrote:

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@notmyrealname23 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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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)_/¯ 

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Yes, I wouldn't expect trouble at stores (well, I would always use the AR in the UK anyway!).   Comparing my failures and successes, online issuers arise if I try to ship it not to my home (latest Amazon UK) and/or if the billing address cannot be entered (insurance).  But that's a total sample size of 5 transactions.   

@Remedios , feel free to send me your US address and I will see if shipping there causes an issue.   The usual stuff, I suppose?

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Oh, I don't think I want "the usual" shipped to US address. 

I kinda like having webz access and the ability to pick my own outfits vs Orange for 15 to life. 

[longtimelurker]

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@Remedios wrote:

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Oh, I don't think I want "the usual" shipped to US address. 

I kinda like having webz access and the ability to pick my own outfits vs Orange for 15 to life. 

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Oh come on, everyone knows you are a law-abiding person who hasn't broken a law in her life!  Well, yes, that time in Carbon, IN, was technically illegal I suppose, but it's a stupid law and you weren't caught so... and Hillside, NJ?   If they didn't want those valuable possessions taken, why did they leave their door unlocked....

[Remedios]

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@longtimelurker wrote:

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@Remedios wrote:

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Oh, I don't think I want "the usual" shipped to US address. 

I kinda like having webz access and the ability to pick my own outfits vs Orange for 15 to life. 

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Oh come on, everyone knows you are a law-abiding person who hasn't broken a law in her life!  Well, yes, that time in Carbon, IN, was technically illegal I suppose, but it's a stupid law and you weren't caught so... and Hillside, NJ?   If they didn't want those valuable possessions taken, why did they leave their door unlocked....

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Oh please, if they don't want their possessions misappropriated, they should not live in NJ. 

I cannot make fun of IN because technically, it's all true. 

[notmyrealname23]

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@longtimelurker wrote:

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@notmyrealname23 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"  

---

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)_/¯ 

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Yes, I wouldn't expect trouble at stores (well, I would always use the AR in the UK anyway!).   Comparing my failures and successes, online issuers arise if I try to ship it not to my home (latest Amazon UK) and/or if the billing address cannot be entered (insurance).  But that's a total sample size of 5 transactions.   

@Remedios , feel free to send me your US address and I will see if shipping there causes an issue.   The usual stuff, I suppose?

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Those are the things that would raise fraud flags; stuff being shipped to an unusual address or without a verifiable address. Seems like the way to dismiss the flag is suboptimal.

[longtimelurker]

Ok ok, so they have made it work, just to make me look bad!

They said they had placed a note on my account, which would take at least 48 hours to work.   After 48 hours I tried and it failed again.   Tried it just now and they happily approve an Amazon UK purchase sent to a random (to them) address in the UK.   

So, FINALLY, I can make a big purchase, sent it to a co-conspiritor and claim fraud "What were you doing approving this random shipping address!   I've never heard of Joe Sutton.   What, you never told me his name....?"

[longtimelurker]

Just to be more fair than I usually like:

SoFI has started acting as I wanted.   Today I purchased something from ebay UK, (my first use)  sent it to a UK address, with my US billing address and it went through instantly without complaint.   So maybe some real AI/ML mechanism teaching it "let him buy stuff in the UK" or some manual settings override from CSR notes, but it works

[FalconSteve]

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@longtimelurker wrote:

Just to be more fair than I usually like:

SoFI has started acting as I wanted.   Today I purchased something from ebay UK, (my first use)  sent it to a UK address, with my US billing address and it went through instantly without complaint.   So maybe some real AI/ML mechanism teaching it "let him buy stuff in the UK" or some manual settings override from CSR notes, but it works

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SoFi gave me trouble with domestic Amazon (even after I conform the transaction by SMS 2x and calling), I actually stopped using SoFi as my primary card when Citi DC accounced they were dropping the minimum to redeem. I really prefer this card though. Now if you could freeze AU accounts online or dispute transactions online, it would be like a real card (lol).