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 Post subject: Erotic website threatens to ban my credit card from the net?
PostPosted: Sun Jul 13, 2008 4:18 am 
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Joined: Sun Jul 13, 2008 4:15 am
Posts: 1
I was wrongfully charged $39.99 by a "erotic website" (yes, I know) due to a dating error in their system. I complained and they apologized, offering me a discounted subscription. I obviously declined and asked for a full refund, and I got this:

"If you still decide that you do not want to take this network in
lieu of the refund that you're requesting, we will have no other recourse
but to refund your transaction. But in doing so, we are required to
inform you that a chargeback to your credit card will put your name,
address, zipcode, and credit card number into an Internet Fraud Database.
All internet credit card companies use this database. Our credit card
company will put you in this database. If you get into this database you
will NEVER BE ABLE TO USE ANY of your credit cards online again.

Please let us know.
Thank you and regards,
Regina
Support Team"


Is this claim of blocking all my future credit card use accurate?

Kyle


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 Post subject: Re: Erotic website threatens to ban my credit card from the net?
PostPosted: Sun Jul 13, 2008 8:19 am 
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Joined: Mon Apr 25, 2005 8:10 am
Posts: 583
Quote:
If you get into this database you
will NEVER BE ABLE TO USE ANY of your credit cards online again.


That statement right there is simply not true!

While this database does exist... it does not stop you from using your credit cards.
What happens is the merchant submits your information to this database as a "chargeback", if you only do this once in a great while then you'll have no problems at all. However if you make a habit of doing numerous chargebacks in a short amount of time then you may be seen as a "fraud" risk if you have multiply chargebacks against your name in that database. However, it is up to the merchant to search that database "before" accepting and charging your card. They have the choice whether or not to accept your card prior to billing it based on what they find in the database. The merchant also has the ability to "remove" this information and may charge you a fee to do so. If this is a rare thing for you to do then you have nothing to worry about.


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 Post subject: Re: Erotic website threatens to ban my credit card from the net?
PostPosted: Mon Jun 22, 2009 1:00 pm 
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Joined: Mon Jun 22, 2009 12:58 pm
Posts: 1
Thanks for opening this thread. It serves as a warning for us. Excellent topic.

Simulation pret


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 Post subject: Re: Erotic website threatens to ban my credit card from the net?
PostPosted: Wed Jun 24, 2009 1:07 pm 
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Joined: Wed Jun 24, 2009 11:01 am
Posts: 1
thanks for sharing such valuable information. it will help a lot of people from making the same mistakes :)

simulation rachat de credit


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 Post subject: Re: Erotic website threatens to ban my credit card from the net?
PostPosted: Tue Jul 28, 2009 11:10 am 
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Joined: Tue Jul 28, 2009 9:13 am
Posts: 2
this is a great site!

commission de surendettement
- commission de surendettement, vous pouvez demander un dossier de surendettement.


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 Post subject: Re: Erotic website threatens to ban my credit card from the net?
PostPosted: Fri Aug 21, 2009 7:13 pm 
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Joined: Fri Aug 21, 2009 7:12 pm
Posts: 1
Great work .. really informative .. and thanks a lot for sharing

comparatif simulation taux pret auto -taux pret auto differe selon la prise en compte ... calculent automatiquement le taux pour un prêt automobile donne.comparatif simulation taux pret auto


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