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Cheap tickets, credit cards, and disappointment

As I think a lot of people have discovered, getting from the West Coast to Europe this summer--particularly at peak times--is a real challenge. I have to travel the week just before Labor Day--the combination of the US holiday and the flight reductions meant that many of the usual options were crazy expensive or not showing on booking sites at all. After a couple of hours of scouring sites (and after my notification emails that I set up at kayak and the like had not supplied me with any flights under my hoped for price point in the past few weeks) I bit the bullet and booked flights for the two of us. I was a bit anxious to get the confirming email, because the site claimed that the tickets were the last two at that price point.

So guess what? This morning our credit card fraud division called to let us know that somebody had booked two pricy tickets to Europe but that they had helpfully declined to put the charges through and were calling to see if the cards should be cancelled. I told them that the charges were fine. But in the meantime, the tickets I thought we had bought were cancelled by the airline for non-payment. Going back online, the same flights are now 300 dollars apiece more than I paid (or thought I paid!) the night before. Grrrr!!!

Moral of the story. Contact your credit card before making a large airline ticket purchase and let them know that it is coming. Otherwise they might decline to honor it--thinking they are protecting from a fraudulent purchase--only to end up with you losing out on a good airfare.

Posted by
7209 posts

My Capital One is the absolute "MOST HASSLE" card I have when attempting to make charges/deposits/reservations. I'm a seasoned traveller and I know to avoid disappointment and frustration I should notify my Capital One friends to let them know ahead of time that a foreign transaction is coming. That way everything will run smoothly, right? Wrong!

I've discovered after a couple of years using my C1 that when I call ahead to notify them that a foreign transaction is coming they will ALWAYS decline the charge. Yes, DECLINE!

I've also learned that if I just go ahead and make the foreign transaction WITHOUT notifying them it is always accepted. Yes, ACCEPTED!

Stupid Capital One.

Posted by
446 posts

The real reason why credit card companies are being so cautious is not to protect consumers, but to shield themselves from liability in the event of fraudulent charges. That's because consumer protection laws limit the customer's liability for fraudulent purchases to a small amount, or even zero, in most cases -- as long as you contest the fraudulent charge within a reasonable time.

Posted by
333 posts

Capital One is really crappy about this. I'm even resorted to having the agent on the phone with you while making the transaction AND IT STILL GETS DECLINED. Their foreign call center has no ability to work past a level 1 problem and seem to not do anything but make you angry.

I only seem to run in the problem booking airline tickets from the US. When I am abroad, the transactions go through just fine.

Posted by
32349 posts

JER,

Sorry to hear about the problems. I assume you DID get some tickets and the trip is still on?

With expensive overseas tickets, I normally research which flights I want on the internet, and then book the flights with a Travel Agent. That means paying a small service charge, but I have never had any issues with my credit cards using this method.

If you wanted to try that on a future trip, you could pay a visit to Rick's Travel Agent in Seattle - have a look at Their website.

Cheers!

Posted by
446 posts

That's terrible! If I were you, I'd say goodbye to that credit card company. They should have called you to check before declining the charge.

Supposedly, I understand, American Express will call you before declining a charge, and they have no pre-set spending limit. But, I don't know if that works in reality.

Posted by
2297 posts

Wow, I think that could have been handled better by the CC company. I often get calls from mine after a "suspicious" purchase to double check with me - BEFORE they make any decisions. E.g. when I booked train tickets through the DB website 3 months before I actually left for Europe. The phone rang within 5 minutes of my first transaction (I was booking a series of tickets).

The last time I booked a really expensive ticket to Europe I ended up doing it by phone because I had less then 24 hours before leaving. At that time the Air Canada ticket agent actually phoned my CC fraud department before finishing the transaction and I had an opportunity to confirm the purchase with them right away.

Posted by
873 posts

While I understand your frustration, I have to say, I feel pretty comforted knowing that my CC issuer is keeping a close watch on my card. I bought tickets from easyJet a few days ago, and the next day, I had a voicemail from the CC Fraud Department asking to confirm that it wasn't a fraudulent charge.

I guess lesson learned is, call your bank before making large purchases overseas just as if you would before physically going there! I'd rather do that than have the bank under-monitor my card and go months before catching fraud.

Posted by
2092 posts

I too have come up against a curious situation with my cc company. Even trying to purchase Anne Frank reservations a couple of years ago and a deposit on a B&B this last year, I had to notify my cc company before I made the transaction so they would let it go through. So....it rather seems that the hotels are out of luck even though they have my cc # because I could easily call ahead of time & tell the cc company not to let it go through. I think if I were a hotel manager, I'd want prepayment for at least the first night.
When purchasing tgv tickets, I couldn't even complete the transaction without giving prior authorization to the cc company. It's really too bad that you lost out on a pretty good deal for your airfare.

Posted by
23624 posts

I wonder if cc are tightening there controls. Had a odd thing happen this week. I have had my main VISA card for twenty years with a $45,000 limit. Never had a problem. Was headed out of town on last Thursday when I tried to make an $89 Hotwire charge -- it was rejected. Switched to a second VISA card, that worked. But the next three times it was rejected. Finally went to the back card for the balance of the trip. When I call to see what the problem was, they wanted verification that the Hotwire charge was legal. Now I have done a dozen Hotwire charges on that card over the past several years with never a question. The back up card is a VISA. When I asked for explanation, their only response was that they were just be careful for my benefit.

Still think it is very odd for an 89 dollar Hotwire charge would raise a red flag.

Posted by
17401 posts

I think the banks/cc providers are indeed tightening up. Chase declined a credit card charge when I tried to pay our property taxes (so we could get miles on the card). Next day I received a fraud alert by e-mail, notifying me that someone had attempted to charge a large amount on my card. They want me to call in advance if I am going to do that.

Apparently air tickets are now a red flag---a friend of ours had tickets charged to their card (unauthorized) several months ago. The bank did NOT call before processing the charge, and my friend didn't catch it until he got his statement. Of course they refunded the payment, and cancelled that card.

Posted by
14960 posts

Prior to my last trip in Europe in the summer of 2009, I notified my credit cards (Visa and MC) that I would be abroad for over 9 weeks. No problems at all when paying at hostels, Pensionen, hotels, restaurants, paying for tickets at a Reisezentrum, book stores, etc. No problems at ATMs in Germany, England, France. Used Capital One and BofA, I did not notify Capital One, which I personally don't like, but, to be fair, never had any problems with them in Germany or France on past trips.

I started using Visa/ MC since 1984 over there...before last year I never informed the credit card companies that I would be charging over there. Still, never have had any purchase declined in Germany, in Paris and Strasbourg, yes, sometimes, but there were times I felt that store was just saying it wouldn't go through after I tried 3 different cards, just to have me pay in cash. And, I know it wasn't a language communication problem because I had a native speaker with me who argued with the clerk.

Posted by
842 posts

While attempting to buy ferry tickets, and some other purchases overseas, prior to our upcoming trip to Italy, one of my VISA's was blocked, and I immediatley received a call. The other went thru, but only after I set up and entered a "password". As near as I can tell, this pass word is now a permanent fixture for all internet purchases.

The thing that I noticed was that both called my home number, and I am never at that number. Subsequently I gave both VISA companies my cell number, but one had to switch the numbers (ie put that cell number in as the "home phone")

Evidently this company wants to call your home phone number first.

Go figure!

Posted by
159 posts

I love Cap 1! They declined my first purchase for my upcoming trip, but I called them immediately and they took care of it. Since then, I've not had any problems with airline tix, hotels, b&bs, etc.

Posted by
32349 posts

steve,

Was the new Password required by your VISA card part of the Verified by VISA system?

In dealing with various firms over the Internet, I find that I'm increasingly encountering the Verified by VISA system before the purchase is allowed to go through.

I suppose one can't blame the credit card firms from being careful, as they usually have to cover the losses due to fraudulent transactions (provided the card holder notifies them of course).

Posted by
842 posts

Ken, It was the "verified by visa" program. When it 1st popped up on my screen, I thought someone was phishing. so I immediately called my crdit union, and they verified that it was legit.

I need to have my wife call them to see what will happen when she tries to use her VISA. I am also assuming that the password only applies to online purchases, and that we will have no trouble using our VISA cards in the EU.

JER. I sympathize with you. We could not find any good deals this year either for our upcoming trip from Portland to Rome next month. I booked a flight on UA Air into and out of Philthydelphia. Now I found out that I have just taken my life in my hands; this was the wrong airline, and the wrong place to fly out of. Oh well...I'll probably have some good stories to tell.

Posted by
990 posts

Steve, I wouldn't worry that much about US Air. I've flown them several times to Europe. I'm afraid the service is about what you'd expect from a US legacy airline--that is, not great. Still, it gets you to where you are going and it's a step up from Icelandic.

The Philadelphia airport is actually not bad on the way out--on the way back, expect to spend way too long in customs and security in Philadelphia. (Hopefully your return flights aren't too close together!)
Bring food and entertainment for the flight out to Philly--there's no inflight movie service on their domestic flights anymore!

Posted by
990 posts

I think what really annoyed me about the experience--beyond the significant loss in having to puy more expensive tickets--is that I've had this card more than twenty years. In that time, I've probably booked over two hundred flights--and at least 20 or more were international. So this was not at all suspicious activity on my account.

The thing is, they weren't looking out for my best interests but for their own. I wouldn't have been liable if the charges really were fraudulent. And since they had nothing to lose--though I of course did--they didn't mind cancelling the transaction. Easy to do when you have nothing on the line, even though your customer foreseeably does. This card will get cancelled as soon as I have a replacement one picked out.

Posted by
41 posts

"I booked a flight on UA Air into and out of Philthydelphia. Now I found out that I have just taken my life in my hands; this was the wrong airline, and the wrong place to fly out of. Oh well...I'll probably have some good stories to tell."

Did I miss something? We are flying through Philly on US Air next month on our way to Zurich....