So I went to pay my cellphone bill with my Gold card....

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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flan
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Postby flan » Thu Jun 13, 2013 11:08 pm

TheLethargicAge wrote:See, that wouldn't have happened if you still had your Cash+...and you would have gotten 5% back, to boot. What happened to you is the reason I've avoided charge cards.


I've had pretty much every piece of plastic I've ever had shut off without notice at some point or other. Credit, debit, charge, it's happened to them all. What matters is how they deal with it, particularly if you press on the inconvenience they're causing, or the cost they caused you.


MemberSince99
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Postby MemberSince99 » Fri Jun 14, 2013 4:23 am

flan wrote:I've had pretty much every piece of plastic I've ever had shut off without notice at some point or other. Credit, debit, charge, it's happened to them all. What matters is how they deal with it, particularly if you press on the inconvenience they're causing, or the cost they caused you.


This is why we can't go completely cashless, probably EVER. You simply HAVE to carry some cash (a small amount is ok) on you in case you roll into the gas station on fumes, and your card is declined or their system for charging your card is down, or you go to grab lunch and find the same thing.

tigerhunt2011
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Postby tigerhunt2011 » Fri Jun 14, 2013 11:17 am

Okay, no offense, but it's honestly not a big deal when your card is declined. No one is watching ;) I was recently in Las Vegas overnight (from Arizona), and my PRG was declined at a gas station for "irregular activity" (after 7 other charges in Las Vegas, non-gambling). I just had to log in to the mobile app, enter my security code and verify the charges.

It's a feature, not a problem ;)
AMEX Business Platinum AU-NPSL-07/11
AMEX PRG-NPSL-07/11
AMEX BCE-$2000-07/11
AMEX MB Platinum-NPSL-08/13-->07/11
AMEX Biz Gold Rewards-NPSL-08/13-->07/11
AMEX Biz DL SkyMiles Gold-04/13-->07/11
BofA Alaska Airlines Visa Classic-$2500-06/11
Barclays US Airways Platinum Mastercard-$1500-04/13
Chase Sapphire Preferred-$5,000-08/13
Citi AA Select AMEX-$2000-01/13
Citi AA Visa-$2000-01/13
Citi AA Platinum Select Visa Signature-$5000-08/13
Citi AA Platinum Select World Mastercard-$2500-04/13
Citi Business AA World Mastercard-$1000-08/13
Citi ThankYou Preferred-$2000-04/13
Express-$650-01/12
GECRB Paypal Mastercard-$3500-04/13

MemberSince99
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Postby MemberSince99 » Fri Jun 14, 2013 5:01 pm

I can never get away with the excuse "it's a feature not a bug". :)

MB131174
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Postby MB131174 » Fri Jun 14, 2013 5:03 pm

poking that bear again?
stalk me
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MemberSince99
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Postby MemberSince99 » Fri Jun 14, 2013 5:35 pm

Would I do that?

MB131174
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Postby MB131174 » Fri Jun 14, 2013 7:41 pm

Why not? Makes for great stories!
stalk me
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Bksuper
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Postby Bksuper » Fri Jun 14, 2013 9:21 pm

MemberSince99 wrote:This is why we can't go completely cashless, probably EVER. You simply HAVE to carry some cash (a small amount is ok) on you in case you roll into the gas station on fumes, and your card is declined or their system for charging your card is down, or you go to grab lunch and find the same thing.

That's what checks are for, Member! Carry a couple checks instead and the money won't be gone if it's lost, will still be earning interest until spent, and will still have a paper trail for easier accounting than having cash out.
Sole Ownership Cards:
1st Financial Bank Platinum Student Visa, $500 CL, Open Since 3/2012
Citi Forward Student Visa, $6k CL, Open Since 10/2012
Costco TrueEarnings Amex, $6k CL, Backdates to 1/2012
SallieMae Rewards Barclay Mastercard, $2.5k CL, Open Since 4/2013
Jointly Owned Cards (co-owner with mom, not AU, used and paid only by me):
Chase Amazon Rewards Visa Signature, $2k CL, Open Since 8/2012
US Bank Cash+ Visa Signature, $13.5k CL, Open Since 10/2012
Authorized User (Parents Pay/Use)
Costco TrueEarnings Amex $29.4k CL, AU since 11/2012

MemberSince99
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Postby MemberSince99 » Fri Jun 14, 2013 9:26 pm

How many businesses have we all seen that don't take checks because they got stuck with too many rubber checks?

Bksuper
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Postby Bksuper » Fri Jun 14, 2013 9:43 pm

Some do, some don't, but an individual at the mechanic probably would for a $20 amount in the OPs case, and if a service was already rendered, and their card reader is down (if its not you can use a backup CC when your card is declined or the wrong type) and they don't have a "cash only" sign, they'd probably make an exception, if they didn't accept checks already. If they do have a cash only sign, then I wouldn't go there.
Sole Ownership Cards:
1st Financial Bank Platinum Student Visa, $500 CL, Open Since 3/2012
Citi Forward Student Visa, $6k CL, Open Since 10/2012
Costco TrueEarnings Amex, $6k CL, Backdates to 1/2012
SallieMae Rewards Barclay Mastercard, $2.5k CL, Open Since 4/2013
Jointly Owned Cards (co-owner with mom, not AU, used and paid only by me):
Chase Amazon Rewards Visa Signature, $2k CL, Open Since 8/2012
US Bank Cash+ Visa Signature, $13.5k CL, Open Since 10/2012
Authorized User (Parents Pay/Use)
Costco TrueEarnings Amex $29.4k CL, AU since 11/2012



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