+1 almost all from the US.
The strongest signal is whether they use an eBank/app that has a one-click button to report transactions as fraudulent. The Apple card(?) seems especially prevalent.
The strongest signal is whether they use an eBank/app that has a one-click button to report transactions as fraudulent. The Apple card(?) seems especially prevalent.
I think that caused her to over-scrutinize things.
But (years) later I saw her using apple pay. She had charges she didn't recognize and would immediately flag them. Thing is, I couldn't help but think they might have been real charges with weirdly named companies on the transaction.
Not universally supported unfortunately, but the major stores support it.
Many banks only show payments (so only after cleared) and not reserved funds. They will just show that you don't have the full credit available
This was introduced to not unnecessarily block debit card funds for days but it works like that for credit cards as well now.
That's completely the companies fault. If you give a transaction a reference that the customer will not recognise, that's on you!
The cardholder’s contractual relationship is always with the card issuer, which is usually a bank or some other financial institution. This is no different in the US. If something on your bill seems off, you contact the one that issued it, i.e. your bank.
Viseca seems like it might actually be an issuer directly (it’s also a common model that banks only act as program managers, delegating actual issuance to a different entity) but I’m not familiar with them.
Whether your bank knows how to use them well to represent your interests is a different matter. For example, I’ve seen banks decline chargebacks against bankrupt merchants in certain countries because they were poorly advised about the legal ramifications, and other banks in the same country win the exact same kind of dispute. Lacking sufficient reading comprehension to parse the dispute rules (it’s a long PDF!) also seems common.