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Inmate Central Inmate Central, where civil and family-friendly discourse about off-audio topics (other than religion and politics) is welcome. |
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In Reply to: The big banks catch a lot of grief from people, but Chase fraud detection did ok by me posted by bean on November 13, 2020 at 08:07:40:
I had a similar problem with strange but small charges on my Credit Card - an international bank. They phoned me to ask if the charges were mine - they were not. They canceled the card immediately (all the little charges ran up to about $5,000USD worth so not chump change. They issued me a new card within a week.
To access my account online requires a password. The bank sends me a time-limited text message sent to my phone which I must then enter into the computer to access my bank account.
For the last 15 years or so Hong Kong has something called an Octopus card which America and Canada should get their ass onto. The octopus card is a credit card sized card that you load funds onto. Up to around $150 US is the limit.
This card is used for all public transportation - grocery stores, most restaurants, convenience stores etc.
Walk into 7/11 and hand over $100 and say please put on Octopus - they take the money you swipe the card and poof $100 is on your card. Get on bus and swipe card and pood $0.80 is taken off and it shows you have $99.20 left on the card.
This card is not tied to any banking institutions so if you lose this card you lost the money on the card but since the maximum is around $150 and you can feed a minum of $8US or so onto it - you won't lose much if you get pickpocketed which is highly unlikely in HK.
Other countries have adopted pale imitations of this card but they all seem to screw it up. For it to work really well - basically every shop has to have the pay as you go readers and all forms of transit. In BC they put it in but it works on the train and bus in Vancouver but not outlying cities or the ferry and it doesn;t work beyond transit. Meh - so it's largely pointless.
It;s also environmentally a plus. I have had my card for 9 years but you can also put the set-up on your smartphone or a watch. Plus none of those paper transfers or day pass paper getting chucked in the garbage. Plus all the time and hassle it it saves for the drivers arguing with people over their transfer that expired an hour ago and all this bonkers stuff.
The driver opens and closes the doors and drives. That's the extent of their "stress" which is stressful enough.
Anyway - It does baffle me that HK has been doing this since the late 1990s and when I go to cities like San Francisco, Los Angeles, Seattle, Vancouver, Toronto, Las Vegas, Melbourne, Singapore, I am usually baffled as to how stoneage most of it is in comparison.
Back to your bank thing - Bank fees are high and people always complain but I suspect this issue that you had along with all the CC fraud drives all these costs up.
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Follow Ups
- My bank in HK and general protection here is quite strong - RGA 11/14/2004:09:03 11/14/20 (0)
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