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Charlie,
This is the ONE good thing I have to say about CitiBank. They call me while I am in line (sometimes it is creepy, it seems like they are watching me wait in line... LOL)... Text me now. Did you really spend $107.00 on duct tape and diapers? Should we send a babysitter to this house?  ))
American Express has been AMAZING with this as well. Although they deny a few more charges than I like. They have actually called me after using a gas station in a "Really Really dangerous part of Detroit" to make sure I was Okay... And I had my card with me...
About 6 times I have had my card compromised, and once for over 10,000.00 on a single purchase. Never had to pay a dime of it. Will NEVER use a debit card because they don't protect you as well...
Also, we found it help to call ahead and warn the company we are traveling to Russia or Australia
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Notifying the CC for travel is very important. I've not had any trouble having any charges reversed. It's just annoying as hell to change all of the bill payment to use the next card.
I actually had one card call me:
them: "Hello, we're discover, and we're curious, are you shopping in xxxx?"
me: "No, I'm in yyy at the moment."
them: "Okay, we'll decline the charges, but we're sending you a new card."
I only get annoyed when their semi-AI scanning rejects my insurance payments (that have been made for years).
Charlie Gilley
<italic>Stuck in a dysfunctional matrix from which I must escape...
"Where liberty dwells, there is my country." B. Franklin, 1783
“They who can give up essential liberty to obtain a little temporary safety deserve neither liberty nor safety.” BF, 1759
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What timing. Just this morning I received a life saving payment, but as my credit card was blocked because it went over limit without me knowing, the bank tells me I can make online payments, but have to wait 24 hours to be able to draw cash or swipe. I was first a little taken aback:
"What, almost anonymous online payments are OK, but an in person with ID withdrawal not? You gotta be kidding!"
This is after making one online payment to my ISP, then seeing my available balance, went to draw cash and was declined. But, looking back, that payment required two factor auth, via an SMS. I still think email would be more secure, but both a lot more secure than someone with my card and PIN (only happened once, when I was young and stupid), or me banking with someone that doesn't require two factor. Then all the perp needs is written all over the card I just lost, or had stolen, or jammed in an ATM, whatever means. Made me glad I've provisioned for it in my latest project, a WPF client to Web API 2.
Off on a tangent, I would have sooo loved to try the API in .NET Core, but that is still such a distant planet.
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Most people think that verifying who you are twice is a waste of time but, considering what the results of thieves cracking just one email account can be, I gladly accept the additional steps.
if (Object.DividedByZero == true) { Universe.Implode(); }
Meus ratio ex fortis machina. Simplicitatis de formae ac munus. -Foothill, 2016
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Question for those experienced with PayPal.
What would you have liked to have known before you established your own PayPal account ?
What advice do you have for someone before he sets up his own PayPal account ?
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Dont keep large amounts of cash in there. If you're doing it to make money, like selling sh*t on ebay, then withdraw it regularly like the end of each week. They will hold your money for no apparent reason while they 'investigate' stuff and you do get it back eventually like 6 months down the line.
Google paypal are witholding my money
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counteranecdata: my wife and i have each had accounts with PP for years and have never had anything like that happen to us.
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Chris Losinger wrote: counteranecdata: .... never had anything like that happen ...
I Bing'd the given phrase and observed the complaints.
So far, the initial observation supports your contention; i.e., apparently the complaints are cases of mismatched expectations.
e.g., I understand that thousands of people hate Fords/Chevys/Dodges/etc. I'm certain that people are upset with Merrill Lynch and Charles Schwab. I have even seen stuff on the internet (never in real life) that there are actually people who don't like Microsoft Windows  but I just can't believe it.
Anyway, the adjusted expectation of a three week delay on your first transaction really isn't so terribly unreasonable; what with today's creeps in the world.
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C-P-User-3 wrote: the adjusted expectation of a three week delay on your first transaction
I occassionallly sell stuff on eBay (maybe half a dozen times a year) and my payments are withheld for three weeks every time.
[Edit] I'll just add that my account is about 8 years old, so not a new account either.
Ah, I see you have the machine that goes ping. This is my favorite. You see we lease it back from the company we sold it to and that way it comes under the monthly current budget and not the capital account.
modified 31-Aug-21 21:01pm.
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In this day and age, what is it that PayPal can do that your bank can't?
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While I totally agree, I still contest PP makes things much easier to make or receive payments than the typical bank.
Jeremy Falcon
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I recently sold some hardware over an auction site, and received payment (from the private individual who purchased it) via Interac. I didn't have to send him any of my banking details, nor did I have to know any of his. There's a short description of how it works here
With this, I see little reason for PayPal's existence.
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I'd say it justifies its existence. This Interac service you mention quite simply does what PP does. I'd wager the only diff is you and this guy didn't have to put in banking details because Interac already had them. It's still the same exact concept. For simple stuff, PP isn't the only player in the game. But they were one of the first and they offer a buttload of ways to customize things to your liking. So, if you think Interac serves a purpose, then so does PP. They're just two competing services.
Jeremy Falcon
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Jeremy Falcon wrote: I'd wager the only diff is you and this guy didn't have to put in banking details because Interac already had them
It goes one step better than that. The link that is emailed is one that goes to Interac's service, and from there, I pick my bank from a list; the link to my bank goes to my bank's login page. So, all Interac knows is what bank I use, and a temporary token returned by my bank's login process.
Jeremy Falcon wrote: So, if you think Interac serves a purpose, then so does PP. They're just two competing services
...except I've never heard anyone say anything bad about my bank. I can't say the same about PayPal.
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dandy72 wrote: ...except I've never heard anyone say anything bad about my bank. I can't say the same about PayPal.
Touché.
Can't say I'll stop using PP, but yay for options.
Jeremy Falcon
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Jeremy Falcon wrote: yay for options
Well, true dat. I've personally never had to deal with them, but with all the horror stories floating around, I'm perfectly happy to continue without having an account with them.
Not to mention that I've received enough PayPal phishing emails over the years that I wouldn't want to have to figure out whether any of it is legitimate or not.
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You've never received phishing emails pretending to be your bank?
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Plenty of banks, but never mine.
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...except I've never heard anyone say anything bad about my bank.
That must be a first! Please tell, which bank do you use, and I'll change my account asap...
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Did you just ask me for my bank details in a public internet discussion forum? 
See the first rule of Fight Club.
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..not your account details (unless you really wanna share? ), just the name of your bank.
But then, I've recently come to the conclusion they all suck to some degree.
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Holy time warp, batman.
At first, I thought this was a month old...but no, this is actually 13 months old.
Why do people revive ancient threads?
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Isn't Interac Canada-only?
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I believe they've been making headway elsewhere.
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Most (web)shops from foreign countries don't accept money from (foreign) bank transfers.
In the Netherlands we use iDeal (instant bank payment), but I haven't seen it in other countries.
It's mostly American Express (whatever that is) and credit card (so not Dutch, I don't have one).
PayPal is international though.
In the Netherlands I never pay with PayPal, whenever I order from abroad I almost exclusively use PayPal.
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