Topic Wiki

For All
Do NOT swipe at your own, or a related business.

Amex
- Ramp up slowly to avoid a FR

Chase
- No MO deposits
- No payments made by third parties


Barclay
- Cycling CL
« Last edited by Yehuda25 on January 07, 2019, 11:28:35 PM »

Author Topic: The "Don't Dos" of Credit Cards  (Read 11496 times)

Offline IGBES

  • Dansdeals Gold Elite
  • ***
  • Join Date: Oct 2017
  • Posts: 139
  • Total likes: 10
  • DansDeals.com Hat Tips 2
    • View Profile
  • Location: N.Y.
Re: The "Don't Dos" of Credit Cards
« Reply #20 on: December 04, 2018, 12:06:16 AM »
i always call with *67
For what reason?

Offline shulem92

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Feb 2015
  • Posts: 2988
  • Total likes: 122
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: Lakewood
Re: The "Don't Dos" of Credit Cards
« Reply #21 on: December 04, 2018, 12:09:40 AM »
For what reason?
not always, sorry. whenever im calling for my wife :)

Offline davidrotts63

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: May 2017
  • Posts: 7280
  • Total likes: 954
  • DansDeals.com Hat Tips 26
  • Gender: Male
    • View Profile
  • Programs: Hertz Gold, Hyatt Member, BA Blue, Ebay banned, Amazon Prime
Re: The "Don't Dos" of Credit Cards
« Reply #22 on: December 04, 2018, 03:25:42 AM »
not always, sorry. whenever im calling for my wife :)
At this point all the banks are pretty sure my mother sounds like a man, and if a woman called they'd probably fraud it ;)
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline ExGingi

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Nov 2015
  • Posts: 13272
  • Total likes: 5058
  • DansDeals.com Hat Tips 17
    • View Profile
  • Location: 770
Re: The "Don't Dos" of Credit Cards
« Reply #23 on: December 04, 2018, 05:10:36 AM »
i always call with *67 and they confirm by sending a one time code to the phone number on file
*67 makes a difference for toll-free numbers?
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline ChaimMoskowitz

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Jun 2014
  • Posts: 6673
  • Total likes: 1091
  • DansDeals.com Hat Tips 1
  • Gender: Female
    • View Profile
Re: The "Don't Dos" of Credit Cards
« Reply #24 on: December 04, 2018, 06:29:08 AM »
*67 makes a difference for toll-free numbers?
Not unless something changed.
I just found a new supply of forks!

Offline davidrotts63

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: May 2017
  • Posts: 7280
  • Total likes: 954
  • DansDeals.com Hat Tips 26
  • Gender: Male
    • View Profile
  • Programs: Hertz Gold, Hyatt Member, BA Blue, Ebay banned, Amazon Prime
Re: The "Don't Dos" of Credit Cards
« Reply #25 on: December 04, 2018, 06:30:29 AM »
Not unless something changed.
Amex doesn't pull up my account when dialing *67
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline a good yeshiva bachur

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Dec 2015
  • Posts: 2612
  • Total likes: 105
  • DansDeals.com Hat Tips 9
    • View Profile
Re: The "Don't Dos" of Credit Cards
« Reply #26 on: December 04, 2018, 07:03:21 AM »
not always, sorry. whenever im calling for my wife :)
At this point all the banks are pretty sure my mother sounds like a man, and if a woman called they'd probably fraud it ;)

nowadays it does matter what you sound like....

Offline Eliyohu

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Oct 2015
  • Posts: 982
  • Total likes: 81
  • DansDeals.com Hat Tips 2
    • View Profile
Re: The "Don't Dos" of Credit Cards
« Reply #27 on: December 04, 2018, 09:05:34 AM »
Did you ramp up slowly? I have hundreds on data points on this one.
Can you share some of the main ones?

Offline ChaimMoskowitz

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Jun 2014
  • Posts: 6673
  • Total likes: 1091
  • DansDeals.com Hat Tips 1
  • Gender: Female
    • View Profile
Re: The "Don't Dos" of Credit Cards
« Reply #28 on: December 04, 2018, 10:06:30 AM »
Can you share some of the main ones?
Cycling the CL is not an issue. If you can pass a FR you don't even need to ramp up.
I just found a new supply of forks!

Offline tzifanya54

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Jan 2012
  • Posts: 5560
  • Total likes: 143
  • DansDeals.com Hat Tips 1
    • View Profile
Re: The "Don't Dos" of Credit Cards
« Reply #29 on: December 04, 2018, 05:03:23 PM »
Did you ramp up slowly? I have hundreds on data points on this one.

I think so, but possibly not, it was quite a few years ago. From what I do recall though I let the balance sit for a bit with the full line maxed out before paying, that's likely what did me in.

Offline shulem92

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Feb 2015
  • Posts: 2988
  • Total likes: 122
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: Lakewood
Re: The "Don't Dos" of Credit Cards
« Reply #30 on: December 04, 2018, 05:22:02 PM »
*67 makes a difference for toll-free numbers?
i believe it does, because i have never received the standard "we see you are calling from a number that matches your account..."
My theory is that even though toll free numbers get the ANI version of your phone number, i think they are set up to receive it as CNID numbers which is the standard "caller id". so technically they can get your info, but being that their systems arent set up for that , they wont actually see it in their systems...

Offline chayal101

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Oct 2013
  • Posts: 920
  • Total likes: 137
  • DansDeals.com Hat Tips 2
  • Gender: Female
    • View Profile
Re: The "Don't Dos" of Credit Cards
« Reply #31 on: December 18, 2018, 08:17:18 PM »
nowadays it does matter what you sound like....
Citi rep said something about voice verification, but I've always spoken for my husband across all banks and they just correct themselves from saying Mr. To Ma'am...
Chaya L.

Offline a good yeshiva bachur

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Dec 2015
  • Posts: 2612
  • Total likes: 105
  • DansDeals.com Hat Tips 9
    • View Profile
Re: The "Don't Dos" of Credit Cards
« Reply #32 on: December 19, 2018, 06:43:08 AM »
Citi rep said something about voice verification,
no need to opt in to that

Offline LoLo

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Aug 2014
  • Posts: 3728
  • Total likes: 163
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
Re: The "Don't Dos" of Credit Cards
« Reply #33 on: December 19, 2018, 09:18:30 AM »
Not sure it's still optional.

Offline chayal101

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Oct 2013
  • Posts: 920
  • Total likes: 137
  • DansDeals.com Hat Tips 2
  • Gender: Female
    • View Profile
Re: The "Don't Dos" of Credit Cards
« Reply #34 on: December 19, 2018, 10:09:56 AM »
no need to opt in to that
I don't believe I was given a choice...
Chaya L.

Offline Naftuli19

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jun 2018
  • Posts: 2419
  • Total likes: 315
  • DansDeals.com Hat Tips 2
  • Gender: Male
    • View Profile
  • Location: Not in Quarantine
  • Programs: I wish all...
Re: The "Don't Dos" of Credit Cards
« Reply #35 on: March 12, 2019, 03:11:54 PM »
Citi rep said something about voice verification, but I've always spoken for my husband across all banks and they just correct themselves from saying Mr. To Ma'am...
Chase has it as well, i've called in for my wife, mother, sisters they just change to Ma'am with a weird smirk on their face  ???!
Sometimes You Will Never Know the True Value of A Moment Until It's Become A Memory...

Offline unavailable

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Dec 2013
  • Posts: 532
  • Total likes: 17
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: bp
Re: The "Don't Dos" of Credit Cards
« Reply #36 on: March 12, 2019, 08:48:59 PM »
Chase has it as well, i've called in for my wife, mother, sisters they just change to Ma'am with a weird smirk on their face  ???!
you can see them?

Offline myi

  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • ********
  • Join Date: Feb 2015
  • Posts: 22067
  • Total likes: 1848
  • DansDeals.com Hat Tips 318
  • Gender: Male
    • View Profile
  • Location: InMyPants! 🙈
  • Programs: 2Many2List!
Re: The "Don't Dos" of Credit Cards
« Reply #37 on: March 13, 2019, 02:09:26 AM »
Don't try to be someone else , be who you are because everyone else is taken.

Offline Muhammad

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Jan 2019
  • Posts: 327
  • Total likes: 15
  • DansDeals.com Hat Tips 0
    • View Profile
Re: The "Don't Dos" of Credit Cards
« Reply #38 on: March 13, 2019, 04:44:32 AM »
you can see them?
you never heard a smirk?

Offline gozalim

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Oct 2008
  • Posts: 4043
  • Total likes: 572
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
Re: The "Don't Dos" of Credit Cards
« Reply #39 on: May 08, 2019, 05:20:25 PM »
Chase - No MO deposits or third party payments.
are 3rd party checks an issue across most banks? or is this just part of chase's general paranoia (like with cash)?

Do we have DP on 3rd party payments with other banks?
Amex?
Boa? (teller vs. atm)?
Citi? Elan?

ETA:
Citi, and BOA as well.
« Last Edit: May 08, 2019, 05:27:06 PM by gozalim »