purchase blocked by my bank

[CoderGuy]

prepaid credit cards are an expensive way to spend your own money.

Yeah, the Visa Gift Cards are the ones to get. You just pay the amount of the card and can use them however you wish. The prepaid (reload-able) cards suck as you usually have to provide your SSN to activate them.

[zmanzero]

not to dredge in a different direction, but if you buy from getsnus it's shipped from inside the usa. let's see your bank deny that one. heh heh...

welcome voodoo.

[Frosted]

Our governments and banks are treating us like children these days - not happy with shafting us with a recession they continue to shaft us with our OWN money.

I really hope people turn and make their feelings heard loud and clear.

I'd close my account with that bank very quickly and never use them again.
Also - debit cards are fine. Any fraud would be honoured by your bank anyway.

[LincolnSnuff]

I work for a large national bank (Wells Fargo/Wachovia). My debit and credit cards both work perfectly on Getsnus.com. Wells Fargo tends to stay out of restricting purchases with their cards, unless it is internet gambling - those are always declined unless you call and authorize the purchases.

To clarify some of the confusion, most large banks offer the same fraud protection on their check/debit cards as they do for credit cards. As long as you report a fraudulent transaction within a specified timeframe (usually 60 days) you will be reimbursed after signing an affidavit that you did not conduct the transaction.

[CoderGuy]

I work for a large national bank (Wells Fargo/Wachovia). My debit and credit cards both work perfectly on Getsnus.com. Wells Fargo tends to stay out of restricting purchases with their cards, unless it is internet gambling - those are always declined unless you call and authorize the purchases.

To clarify some of the confusion, most large banks offer the same fraud protection on their check/debit cards as they do for credit cards. As long as you report a fraudulent transaction within a specified timeframe (usually 60 days) you will be reimbursed after signing an affidavit that you did not conduct the transaction.

That's true but two things do set debit cards apart from credit cards; first, your limit is your bank account balance, so if someone wants to spend it all they could, and second, if someone DID use it fraudulently, it ties up your cash and even if you do get reimbursed (which you most likely will) you are still without your cash for that period of time.

[LincolnSnuff]

You are correct about those inconveniences for the most part. I wouldn't recommend losing or having your debit card stolen. However, your debit card point-of-sale limit is actually set by your bank on your specific card. Frequently, a bank will set this limit at $1500 or $2500. Meaning that even if you have a $10,000 balance in your checking account, a $3000 attempted purchase at the electronics store would still be declined. This limit is usually set initially based upon your account history with the bank. Most banks will simply set the limit at whatever you prefer for customer satisfaction purposes, but you must request the increase beyond what the bank will naturally approve.

I never said that fraud on your debit card would be painless, just that the customer protections provided are identical to credit cards when it comes to fraudulent purchases, if you have a good bank. Just know that if you ever loan out your card to someone else, or give someone your PIN, if you admit this to your bank you will lose your fraud claim. The bank will tell you that your loss is a civil issue between you and the other person.

[CoderGuy]

You are correct about those inconveniences for the most part. I wouldn't recommend losing or having your debit card stolen. However, your debit card point-of-sale limit is actually set by your bank on your specific card. Frequently, a bank will set this limit at $1500 or $2500. Meaning that even if you have a $10,000 balance in your checking account, a $3000 attempted purchase at the electronics store would still be declined. This limit is usually set initially based upon your account history with the bank. Most banks will simply set the limit at whatever you prefer for customer satisfaction purposes, but you must request the increase beyond what the bank will naturally approve.

I never said that fraud on your debit card would be painless, just that the customer protections provided are identical to credit cards when it comes to fraudulent purchases. Just know that if you ever loan out your card to someone else, or give someone your PIN, if you admit this to your bank you will lose your fraud claim. The bank will tell you that your loss is a civil issue between you and the other person.

Good to know, thanks for the clarification.

[LincolnSnuff]

No prob... Happy to have a double barrel of Odens Extra Stark los in while helping out banking customers on the forum!

P.S. Send me a message if you need a loan... lol

[dreed2]

One of my credit cards is giving me nightmares when ordering anything from Sweden. They keep calling me to ask me if I purchased something from a cigar store in Sweden, and I say, "yes", then they let it go through. Then I placed another order using that credit card and went through the same thing. I used another credit card and no problems. So, I'll just use that other credit card from now on. It's not a good idea to use your debit card anyhow, because it's tied into your bank account. Better (and safer) to use a credit card.

[Tristik]

~~
Time for a new bank my man. That is just retarded that they blocked a swedish company.

For reference: My bank declines any purchase over 1,000 USD. Anything higher than that and I have to call and tell them when I plan on making the purchase. They usually ask for a 1 day window to open the limit, then put the restriction back on it.
~~

[Frosted]

The fraud departments in banks are sh** hot. I don't know how they do it - but as soon as there's a £20 transaction that doesn't add up, they're on it and they're correct about the fraud 100% of the time.

[Joe234]

FYI

Visa Gift cards-cost $3.50 if you get one at your bank.
http://usa.visa.com/personal/cards/p...ard-online.jsp

If you get one at a bank they are ready right away and you can
then register it online for better transactions.

[voodoo]

FINALLY!

they got one can wrong, but i'm pretty satisfied with my first buysnus purchase. i've still got like 986 points at northerner though. do they tax the free roll? not sure if that's worth the effort.
thanks guys!

[jagmanss]

Congrats voodoo... Happy snusin'

[snusgetter]

... do they tax the free roll? not sure if that's worth the effort.
thanks guys!

Good question.

On my last order I got 4 rolls plus 2 free cans...
They only list Total Tobacco Tax.