Jump to content
Cruise Critic Community

steveru621

Members
  • Content Count

    4,181
  • Joined

About steveru621

  • Rank
    3,000+ Club

About Me

  • Location
    Plymouth, MA
  • Interests
    Golf
  • Favorite Cruise Line(s)
    RCI
  • Favorite Cruise Destination Or Port of Call
    Europe, Alaska

Recent Profile Visitors

569 profile views
  1. I actually have created a spreadsheet. Four of the amounts don't match anything on my cruise invoices.
  2. I'll have to check into that date inconsistency. The same thing happened to me. I believe it has more to do with interest charges than any bank holding your funds. Seems to follow what others have said about RCI issuing/sending the credits once per week. For example, RCI issues a credit with a date of May 3rd, but doesn't actually send it until May 10th. When your bank posts the credit it would use the issue date of May 3rd even though it's not actually posted until May 11th. The reason would be that you would be charged less interest with the earlier date. Also not all banks post 7 days-a-week which could delay posting by a couple of days and you could be charged more interest. I can tell you with absolute certainty that my bank never held credit funds! I can see no benefit to hold funds and then post them with the correct date. If an issue generates a phone call to a bank call center, that is way more expensive than any interest they would earn.
  3. I'm just as concerned about the elevator button for the windjammer deck.
  4. Shouldn't be. It more efficient, doesn't matter which country.
  5. Adding to my original post. Most CC companies notify a recurring payment biller (not RCI) of an expiration date change. RCI may be able to search through their newer reservations to find a change. Most processors won't care what the date is, but there is no database other than their own they could search. I order to do debits the merchant needs card number, expiration, and CVC (that 3 digit number on the back or 4 digit on the front) and your address (AVS). Merchants pay a larger interchange for card not present without this data. It would be unusual for a processor to reject a credit with a valid card number. The reason is efficiency. Your card is still valid up until the last day of the expiration month. So if I bought something on the 31st and returned it on the 1st. That creates a problem with the billions of transactions processed during that crossover period. Not all banks are the same. To illustrate; the daily credit line hold placed on your CC during a cruise, is sometimes a day, 3 days, 7 days, or even as long as 90 days. The reason for the wide range is how conservative a bank is for holds. The reason is once that transaction is approved, RCI is guaranteed payment.
  6. It's complicated. Most banks, AMEX, Discover, etc... have put systems in place to trace CC numbers through identity theft replacements. Literally millions of cards have been replaced, some two or three times. It's just good customer service and more efficient to find a way to post credits during the card replacement problems. Unfortunately there are still a few processors that try using your CIF number (name) which will delay the credit, and even less that can't handle the change. Processors have also put into place card expiration notifications to merchants that do regular recurring billing, like utilities, cell phone, etc... on your card. Of course RCI wouldn't be part of that process, but having said that, most processors will post a credit using only the card number. Again it's more efficient. I can't say with absoulte certainty that all processors have implemented these systems.
  7. Private breakfast in Chops every morning.
  8. Don't get me wrong, I'm extremely happy to start getting refunds. But... I got 9 separate CC refund amounts on April 26, for four Radiance cruises that were canceled in March and April. Only $4,000 of the $25,000 I am due. Now I'll have to spend some hours collecting old paperwork and figure out what the hell these amounts represent.
  9. Wouldn't be cheaper to give everyone their own tongs and serving spoon?
  10. That's certainly a possibility. But, Bezos will wait until bankruptcy and pick up the pieces. Similar to his purchase of the Washington Post.
  11. RICHARD D. FAIN CHAIRMAN AND CHIEF EXECUTIVE OFFICER MICHAEL BAYLEY PRESIDENT AND CHIEF EXECUTIVE OFFICER JASON LIBERTY EXECUTIVE VICE PRESIDENT, CHIEF FINANCIAL OFFICER They need to issue a statement, email, press release, something. We were promised a refund on April 13th (they didn't say what year) for a cruise they kicked us off in Sydney on March 15th. I don't blame passengers for losing patience. We need to see progress.
  12. Banks holding on to credits are a myth perpetuated by merchants. Every posting is electronic and not reviewed by a bank employee. I can't imagine how many employees a bank would need to review every credit submitted electronically. A submitted credit should post within one business day.
  13. A non-delivery dispute clock starts the day of the cruise. Payment dates will not influence your dispute. That said you do have a point for the future.
×
×
  • Create New...