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Author: fredinseoul Big red star, 1000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 310153  
Subject: Re: Probs w/Chevy Chase Platinum Visa (long) Date: 12/29/2005 3:01 PM
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It isn't you.

My cc started using a security program that identified "fraudulent" charges and froze the card. The problem was that any purchase made in a foreign country was labled fraudulent automatically. I live in Korea, so every purchase was instantly labled fraudulent.

I had to call the card company three or four times the first week the program was in place to get the card unlocked. I finally told them to take me out of the program. It was not useful to have a card that wouldn't work. The supervisor didn't want to do that at first, but after I complained about the cost of calling to get the card reactivated from Korea and the feeling that their system was punishing me for living overseas each time I used the card, eventually did. I haven't had a problem since, about 12 years.

If you feel it is worth staying with this card, call them again, complain about the lack of service and the problems caused by using it. Talk to a supervisor or a manager. Tell them to lower the security level. (You have to feel safe doing this by the way. I did.) If they don't close the card. Closing a card does impact your FICO score, it changes the credit used to credit available limit and other things. However, that change to your FICO probably isn't worth the hassles you are encountering, IMHO.

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