My AmEx card isn't working at Walmart.com

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Sevenfeet
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Postby Sevenfeet » Fri Apr 26, 2013 8:08 pm

I was only kidding at first. But now I see there was some truth in it.

Fraud heuristics is not easy, especially with the hilariously insecure swipe card system. I'd prefer it to be a little trigger happy and inconveniencing me on rare occasions versus missing stuff. Chase flagged an unauthorized purchase on our Freedom card a few weeks ago. Someone had skimmed it, and then try to charge $1500 worth of stuff in a children's clothing store in Houston. Chase denied the purchased and notified us about the problem, causing us to shut down the card number and order new cards.

Sadly, I suspect that Walmarts are frequent fraud attempt stores since they are everywhere and they sell everything.
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Penfed Platinum Reward Visa ($28K)
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Fidelity American Express ($20K)
American Express Blue Cash Preferred ($20K)
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Citi Thank You Preferred Visa ($9.5K)
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FastSRT8
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Postby FastSRT8 » Sat Apr 27, 2013 12:47 pm

Walmart.....

It's a good place to buy engine oil :)
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Reclusive46
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Postby Reclusive46 » Sat Apr 27, 2013 12:53 pm

Sevenfeet wrote:I was only kidding at first. But now I see there was some truth in it.

Fraud heuristics is not easy, especially with the hilariously insecure swipe card system. I'd prefer it to be a little trigger happy and inconveniencing me on rare occasions versus missing stuff. Chase flagged an unauthorized purchase on our Freedom card a few weeks ago. Someone had skimmed it, and then try to charge $1500 worth of stuff in a children's clothing store in Houston. Chase denied the purchased and notified us about the problem, causing us to shut down the card number and order new cards.

Sadly, I suspect that Walmarts are frequent fraud attempt stores since they are everywhere and they sell everything.


One thing that never makes any sense to me is the fraud systems is that it doesn't seem to take into account the authentication method.

I've had my EMV Amex (UK chip and pin Platinum) declined via PIN in a commonly visited shop for a small purchase of £15 (About 22 dollars) because it could be fraudulent, yet I've never had my card declined in the USA via the magstripe.

+ I don't know why they care. In the UK if your PIN was used on an EMV transaction, it is you who is responsible regardless if you made the transaction or not. (Very difficult to prove you didn't make a transaction.)
Amex UK Platinum Charge Card
Amex Blue Cash USA
Amex US Gold Corporate Card
World MasterCard Capital One UK (Free abroad + Cashback + Free Cash Withdrawals with no interest)

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FastSRT8
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Postby FastSRT8 » Sun Apr 28, 2013 4:06 pm

I've had me Amex not accepted at checkouts a couple of times and had to switch to Visa. I called Amex immediately on my cellphone and asked them whats up. Every timethey thank me for my loyalty (member since 89) and tell me there is nothing wrong with my account. They even saw the store had tried to make a charge but it didnt make it through.

I think in these cases there is an issue with the store's terminal and not my card or account.

Some stores just suck balls. Maybe Walmart is on that list.
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Z06Biker
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Postby Z06Biker » Sun Apr 28, 2013 8:01 pm

FastSRT8 wrote:It's a good place to buy engine oil :)


Now if only they sold racing brake fluid...
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Gamma
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Postby Gamma » Sun Apr 28, 2013 9:19 pm

Bksuper wrote:I hate these spending pattern analysis things. Your needs change month to month, sometimes you're buying an especially large thing or saving up and cutting back, that does not mean they should start randomly declining charges when you're well under your limit and have never missed a payment.

I totally agree with you. Too bad we have to play by their rules.

Bksuper
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Postby Bksuper » Sun Apr 28, 2013 9:44 pm

FastSRT8 wrote:I've had me Amex not accepted at checkouts a couple of times and had to switch to Visa. I called Amex immediately on my cellphone and asked them whats up. Every timethey thank me for my loyalty (member since 89) and tell me there is nothing wrong with my account. They even saw the store had tried to make a charge but it didnt make it through.

I think in these cases there is an issue with the store's terminal and not my card or account.

Some stores just suck balls. Maybe Walmart is on that list.

I think the OP was using the card online, so it might not be a terminal issue.
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Reclusive46
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Postby Reclusive46 » Mon Apr 29, 2013 12:41 pm

lol Amex have some weird declines sometimes (Especially in Europe). I've had my card declined at a local supermarket then inserted the chip again, entered pin and it then works.

I did also have trouble with my Amex at Walmart in Florida as you had to enter the security code after a swipe but it only took a 3 digit code, I had to get the cashier to bypass it with ID.
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Sevenfeet
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Postby Sevenfeet » Tue Apr 30, 2013 5:07 pm

Reclusive46 wrote:One thing that never makes any sense to me is the fraud systems is that it doesn't seem to take into account the authentication method.

I've had my EMV Amex (UK chip and pin Platinum) declined via PIN in a commonly visited shop for a small purchase of £15 (About 22 dollars) because it could be fraudulent, yet I've never had my card declined in the USA via the magstripe.

+ I don't know why they care. In the UK if your PIN was used on an EMV transaction, it is you who is responsible regardless if you made the transaction or not. (Very difficult to prove you didn't make a transaction.)


Sadly, even with a EMV chip and a pin doesn't mean the transaction is legit. Cards can be stolen and thieves can either surreptitiously look over your shoulder to get the pin, or physically coerce the victim. Trust me, security people think about all scenarios, despite how unlikely since they do happen. Security is a multi-layered approach...you cannot depend on one technology for everything. Credit card companies will still depend on fraud heuristics even after EMV.
Cards:

American Express Platinum (NPSL)

Penfed Platinum Reward Visa ($28K)

Chase Freedom Visa ($25K)

Fidelity American Express ($20K)

American Express Blue Cash Preferred ($20K)

Bank of America Cash Rewards MasterCard ($20K)

Citi Thank You Preferred Visa ($9.5K)

Chase Sapphire Preferred ($7.5K)

US Bank Cash + Visa Signature ($7K)

Discover IT ($4K)

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FastSRT8
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Postby FastSRT8 » Tue Apr 30, 2013 6:49 pm

Criminals are always 'one step' ahead an thus companies have to be more conscious of security. It's a game that won't be won.

Sevenfeet wrote:Sadly, even with a EMV chip and a pin doesn't mean the transaction is legit. Cards can be stolen and thieves can either surreptitiously look over your shoulder to get the pin, or physically coerce the victim. Trust me, security people think about all scenarios, despite how unlikely since they do happen. Security is a multi-layered approach...you cannot depend on one technology for everything. Credit card companies will still depend on fraud heuristics even after EMV.
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