Credit card thieves...

[MrClean]

We bank with a credit union, we had a small charge show up for $129 to some 3rd world airline which didn't get flagged, then they tried a $3000 airline ticket purchase which got rejected even though it would have cleared. The credit union called us and we went through all the recent charges and they refunded the money right away.
I haven't used a 'standard bank' in years so I can't speak to how they handle fraund, but we've been really happy with the credit union. I know that policies differ between all banks and credit unions, but from the stories I've heard, it seems like the credit unions care a little more about their customers.

[kydsid]

Originally Posted by MrClean

We bank with a credit union, we had a small charge show up for $129 to some 3rd world airline which didn't get flagged, then they tried a $3000 airline ticket purchase which got rejected even though it would have cleared. The credit union called us and we went through all the recent charges and they refunded the money right away.
I haven't used a 'standard bank' in years so I can't speak to how they handle fraund, but we've been really happy with the credit union. I know that policies differ between all banks and credit unions, but from the stories I've heard, it seems like the credit unions care a little more about their customers.

This is exactly how Wells Fargo has treated any problems I've had. In fact if I travel so me where I'll get an automated call to verify transactions that are pending within the first day or two in the destination.

[Subvet642]

Originally Posted by MrClean

We bank with a credit union, we had a small charge show up for $129 to some 3rd world airline which didn't get flagged, then they tried a $3000 airline ticket purchase which got rejected even though it would have cleared. The credit union called us and we went through all the recent charges and they refunded the money right away.
I haven't used a 'standard bank' in years so I can't speak to how they handle fraund, but we've been really happy with the credit union. I know that policies differ between all banks and credit unions, but from the stories I've heard, it seems like the credit unions care a little more about their customers.

That's because they don't have customers, they're called shareholders. The nature of a credit union is that it's owned by its depositors, so they're not really customers. Our credit union has regular elections for president, etc. and every shareholder can vote. It offers more services, mostly free (of course you would pay interest on loans, pay for safe deposit boxes, etc.) and kept further ahead of the technology and security curve than any bank I know. Your credit union rocks because you, and people like you, own it.

[14holestogie]

Bank America offers a ShopSafe service where you generate a new number for just the amount you need at the time that charges back to your original. Works like a charm. Leaves little or nothing for the scammers.
Not my favorite charge card, but they are the only ones I know offering this type of service.

[n3uka]

Originally Posted by 14holestogie

they are the only ones I know offering this type of service.

Citibank also offers a virtual credit card option.