I have a great credit rating and really don’t live a very extravagant lifestyle but upon occasion, I will put purchases on my credit card that are larger than normal. Examples are $800 or so for AETNA health care, $3200 for a new water line, and these have been “DENIED” because they were large in amount and atypical for my usual credit pattern. Oh, sure, the credit card company sends me a nice email, lot of good that is gonna do me when Im out and about, and tells me to call them. By the time I get around to doing that, both the plumber and the insurance company are interested in getting paid,LIKE NOW!!!
I understand as do you, the problems in the credit card industry.
So, trying to be pro active, I contacted them thru text to let them know I was gonna take a trip and that I didn’t want to be left hanging with no credit card that worked out of town. Soooooo, here is the conversation…….
Welcome to an online chat session at Bank of America. Please hold while we connect you to the next available Bank of America Online Banking Specialist. Your chat may be monitored and recorded for quality purposes. Your current wait time is approximately 1 minutes. Thank you for your patience.
Thank you for choosing Bank of America. Swetlana Kaduski is ready to assist you. For security purposes, please remember to close your chat window when completed.
Swetlana Kaduski: To assist you with your personal credit card account, may I please have your first and last name along with the last four digits of the credit card account number?
You: Saunders Jones jr**** sorry I lost internet service there for a second. I was talking to Greg. Anyway, I was telling you that I am taking a trip to Panama City Fla and Im renting a car and condo and wanted to make sure that you wouldn’t flag my charges
You: on my credit card from there, meals and gas etc….
Swetlana Kaduski: Thank you, Saunders
You: and a charge for the condo and a rental car
Swetlana Kaduski: Thank you for notifying us about your travel plan.
Swetlana Kaduski: I will help you with the steps to place the travel details on your account so that you can use your card without any interruption. If incase, it doesn’t work for you, I will provide with the specialists number.
Swetlana Kaduski: Is that fine with you?
Swetlana Kaduski: Thank you.
Swetlana Kaduski: Please give me a moment while I review your account details.
Swetlana Kaduski: I appreciate your time and patience.
Swetlana Kaduski: I am sorry for keep you waiting. It’s taking more than usual time.
You: its monday
Swetlana Kaduski: Here are the steps:
Swetlana Kaduski: Click on “Accounts” tab
Swetlana Kaduski: Click the desired credit card account
Swetlana Kaduski: Click on “Information & Services”
Swetlana Kaduski: Under “Services” and below “Manage your account”, click on “Use your card while traveling”
You: is that all??
Swetlana Kaduski: – Read the Travel Notice page and click “Set or review travel notice” when finished reading.
Swetlana Kaduski: Under destination field, select the destination from the drop-down list or add the destination. You can add more than one destination by making one selection at a time.
Swetlana Kaduski: Under Travel dates field, use the calendar to enter the dates or type them in MMDDYYYY format. Note: if travel is more than 30 days from today or if you are traveling for more than 90 days, the travel flag cannot be placed online.
Swetlana Kaduski: Under cards field, select the radio buttons for the applicable cards.
Swetlana Kaduski: Under contact phone number field, which is optional, enter the phone number in the format – xxx-xxx-xxxx.
Swetlana Kaduski: Under additional information section, which is optional, you can enter any information you want added to the record regarding the travel.
Swetlana Kaduski: Click “Update”.
Swetlana Kaduski: Please go through the Travel Advisory.
You: ok thanks. have a nice day
Swetlana Kaduski: One moment please.
You: oh there is more?
Swetlana Kaduski: Please know that there will be a 1% foreign transaction fee on the account.
Swetlana Kaduski: I will place a brief note about the transaction on the account.
Swetlana Kaduski: Is there anything else that I can help you with today?
You: ok….um panama city is in F L O R I D A
Swetlana Kaduski: Okay.
Swetlana Kaduski: I am sorry you will not incur any foreign transaction fee.
Swetlana Kaduski: Have a safe journey!
Im not sure I feel much better about it, but I tried!!