Sunday, January 1, 2017

My Credit Card Chaos

Two weeks before Christmas I noticed mysterious charges appeared on my credit card and it turned
out someone got the number and was using it, so I had it closed out. Of course, it was bad timing, but that's another story. What really caused chaos was getting the new card.
   Ten days after I had the card canceled and disputed the charges (one of which is still there, although the bank said it's invalid... but it still hadn't come off the statement), I received a new card. As I was putting the new card into bill pay sites, I kept getting rejections that the "CVV" code (printed on the back of the card) was "invalid." I can read three numbers. I put it in again, and again, and again, and verified the card number and expiration date were accurate. ALL sites said the card was invalid.

The CVV code
CALLED THE BANK- So, when I called the bank the next day, the customer service rep said "that's only happened once before in the years I've worked here." She told me to cut up the card and would Fed Ex a new one. She did. It arrived 3 days later.

HERE WE GO AGAIN - So, on Dec. 29th when I got the new card and activated it, I tried inputting it in the bill pay websites again. Same message "CVV code is invalid."  I was beside myself.  - You don't realize how much you rely on having bills go to your credit card until you have to pay them directly from your checking account.

SO WHAT'S THE ISSUE?- When you put a credit card on a bill pay website, they automatically "ping" the bank to ensure the card is valid. They don't charge it, just ping it. In the case of several bill pay websites, the ping was denied (I assume because there was not yet a charge on the card).

BANK OVER-RIDE- I called the bank again, and this time talked with a VISA person. They told me that they put an "override" on the CVV so that the card would be accepted. I've never heard of putting an override on the card.  It finally worked. 

Gift/Memorial Suggestions

Several of our friends have lost loved ones (human and pets) and we found that one of the best ways to honor their memory is to give to an animal charity.
What better way to recognize a life of love, than by giving another life a chance for love?
We donate to many animal rescues, but because we volunteer with
DC Weimaraner Rescue and Coast-to-Coast Dachshund Rescue, those are our 2 favorites.
Consider giving the chance of life to a dog or cat.

About us

We're two married guys who enjoy the simple things in life, especially our dogs. We volunteer for dog rescues, enjoy splitting dinners, exercising, blogging, helping friends and neighbors, ghost investigations, coffee and tea, Tudor history, weather, superheroes, comic books, mystery novels, traveling, 70s and 80s music, classic country, piano, gardening, writing books on ghosts and spirits, architecture, keeping a clean house, cooking simply, and keeping in shape. You'll find tidbits of all of these things on this blog and more.

Tom and Rob Thinking Hard!

Tom and Rob Thinking Hard!
Wondering what home project to do next