Bank problem on board account

[Paul65]

Oh really? SOL huh? Maybe with your bank you are. My Master Card debit card (which my bank treats the very same as their credit card when it comes to unauthorized charges) has been compromised twice and the money was put back by the close of the same day. Can your credit card company do that? Once I signed the affidavit via fax. Id suggest you look for another bank.

 

I agree that the "SOL" comment was simply wrong, but with a credit card company, you don't have to worry about getting the money "put back," because it never got pulled out of your account. I have had credit cards compromised a couple times, and it has been cleared up well before I ever needed to pay the bill.

[Langley Cruisers]

If your debit card gets compromised, they can clean you out and you're S.O.L.

 

This is not true across the board. As I mentioned in my post 129, our debit card was compromised several years ago. They took $2000.00 from our chequing account, and the bank covered every last penny. Yes we live in western Canada and I'm not sure if it's the same in the US (doesn't sound like it), but a sweeping generalization like you have made does no one any good.

 

I agree that the "SOL" comment was simply wrong...

 

Yeah, it was rude, too.

.

Edited January 29, 2016 by Langley Cruisers

[A&L_Ont]

I agree that the "SOL" comment was simply wrong, but with a credit card company, you don't have to worry about getting the money "put back," because it never got pulled out of your account. I have had credit cards compromised a couple times, and it has been cleared up well before I ever needed to pay the bill.

 

I have had my card comprised and I found out after I was called by Visa. Someone in Madrid charged $8500 US to my card, to an on line TA in California, and I live in Canada. Needless to say Visa called me to ask if this happened to be a purchase I made, and I responded no. They said they thought so too, as it did not fall into my normal vendors, and reversed the transaction while we speaking on the phone.

[Paul65]

I have had my card comprised and I found out after I was called by Visa. Someone in Madrid charged $8500 US to my card, to an on line TA in California, and I live in Canada. Needless to say Visa called me to ask if this happened to be a purchase I made, and I responded no. They said they thought so too, as it did not fall into my normal vendors, and reversed the transaction while we speaking on the phone.

 

Yes, as I said, I like the fact that, with a credit card, these things can usually be caught and corrected before you even see a bill. I'm not sure why some people seem some emotional about the issue, though. Others prefer to use debit card, and though it wouldn't be my preference, they have their reasons.

[A&L_Ont]

Yes, as I said, I like the fact that, with a credit card, these things can usually be caught and corrected before you even see a bill. I'm not sure why some people seem some emotional about the issue, though. Others prefer to use debit card, and though it wouldn't be my preference, they have their reasons.

 

100% agree. I only use debit to get cash at my bank and the semi-annual debit purchase under $20.

[Desert Cruizers]

We had a situation just yesterday afternoon where our bank card was compromised and our bank immediately blocked the card, so no charges were applied to it from the fraudulent charge. Our bank called and notified us new cards were on their way. Based upon the additional email I received it was from a Time Share company in FL. Only two ways I handle our on board charges and that is a credit card or cash, no debit card.

[leisuretraveler223]

Oh really? SOL huh? Maybe with your bank you are. I would NEVER use my main checking account card to secure a Seapass account but my Master Card debit card (which my bank treats the very same as their credit card when it comes to unauthorized charges) has been compromised twice and the money was put back by the close of the same day. Can your credit card company do that? Once I signed the affidavit via fax. Id suggest you look for another bank.

 

Fair enough. You are correct. I will concede the "S.O.L." comment was a bit extreme. What I should have said is that the process of blocking or reversing an unauthorized charge on a debit card is generally much more onerous than the same scenario on a credit card.

[cruisinfanatic]

Oh really? SOL huh? Maybe with your bank you are. I would NEVER use my main checking account card to secure a Seapass account but my Master Card debit card (which my bank treats the very same as their credit card when it comes to unauthorized charges) has been compromised twice and the money was put back by the close of the same day. Can your credit card company do that? Once I signed the affidavit via fax. Id suggest you look for another bank.

Only takes a phone call

[dcgrumpy]

I use my debit card almost exclusively for almost 20 years and I've never had a problem. I use it for everything. I did have fraudulent charges once a number of years ago. The money was back in my account the day after calling the bank. The only money in the account attached to my debit card is my spending money for the week. All of my bills are paid directly from another account.

 

I'm not sure how the banks sucks money out of me through the card.

Edited January 29, 2016 by dcgrumpy

[Bound4Bermuda]

Best in fiction category.

 

I can't wait for the twist ending! My prediction is that the cat sitter did it. And the four $500 charges to KSDDF was part of a crime syndicate called Kat Sitting Deceptive Dollar Fraud.

[beigedog]

I can't wait for the twist ending! My prediction is that the cat sitter did it. And the four $500 charges to KSDDF was part of a crime syndicate called Kat Sitting Deceptive Dollar Fraud.

 

 

LOL!! Best response yet!!

 

 

Sent from my iPhone using Tapatalk

[Reader0108598]

I can't wait for the twist ending! My prediction is that the cat sitter did it. And the four $500 charges to KSDDF was part of a crime syndicate called Kat Sitting Deceptive Dollar Fraud.

 

:eek: A sense of humor!!! No malice or on line bullying?

 

You are an endangered speicies here on CC :D

 

Please stick around!

 

Reader

Edited January 29, 2016 by Reader0108598

[Paul65]

:eek: A sense of humor!!! No malice or on line bullying?

 

You are an endangered speicies here on CC :D

 

Please stick around!

 

Reader

 

Depends on how sensitive you are. Some would consider making fun of the OP's plight to be "online bullying." :cool:

[Reader0108598]

Depends on how sensitive you are. Some would consider making fun of the OP's plight to be "online bullying." :cool:

 

I did not take it that way,I took it a s someone trying to lighten the situation with a bit of humor.

 

I do agree we all have different sensibilities.

 

Some responses here were not kind to the OP... we all make mistakes.

 

Reader

Edited January 29, 2016 by Reader0108598

[Paul65]

I did not take it that way,I took it a s someone trying to lighten the situation with a bit of humor.

 

I do agree we all have different sensibilities.

 

Reader

 

I didn't take it that way, either, but I do find that much of the "malice" or "bullying" around here is really just exaggerated by people who are too sensitive. Somebody will say something a bit on the snarky or rude side, and the conversation deteriorates into people talking about how rude it was, then next thing you know, it morphs into complaints about how "everybody" or "so many people" are being rude. If you look at threads objectively, you'll see an awful lot of that.

[setsail]

I have not chimed in on this discussion but here we are on page 4 and has the OP returned to let you know the outcome. I am beginning to think this thread was started to get a discussion going. How long was this cruise he supposedly was on, if only a week, how anyone could create that much charges is beyond me.

 

Maybe this

 

http://boards.cruisecritic.com/showthread.php?p=37243332#post37243332

[Reader0108598]

I didn't take it that way, either, but I do find that much of the "malice" or "bullying" around here is really just exaggerated by people who are too sensitive. Somebody will say something a bit on the snarky or rude side, and the conversation deteriorates into people talking about how rude it was, then next thing you know, it morphs into complaints about how "everybody" or "so many people" are being rude. If you look at threads objectively, you'll see an awful lot of that.

 

I hear you Paul ....... :)

 

Reader

Edited January 29, 2016 by Reader0108598

[oregand]

Maybe this

 

http://boards.cruisecritic.com/showthread.php?p=37243332#post37243332

 

I was thinking that too....

[Cuizer2]

I don't know how this happened to you nor do I really care. The cruise line took a risk by letting you on the ship knowing you only had so much cash in your onboard account. They let you, for some odd reason, spend more than you had in there. Therefore, they chose to extend you a $1,000 line of credit which is principally a credit card. Did you commit fraud somehow in RCCL choosing to extend you credit? I'm not going to pretend to know.

 

With that logic in mind I see no way they can criminally come after you. They will surely hound you to pay them but you should get a reasonable amount of time to pay. After that said time collections may be used.

 

I'm not a lawyer or am in no way pretending to know what I'm talking about. I'm writing this as a personal expose into how I might handle such a situation myself.

 

Hope you have a little cash stashed away so you can get home and eat along the way! Good luck and sorry to here your bank account got ripped off...

 

Most likely the theft occurred after the OP checked in, since the cruise line would put a hold on the account and would know right away if there was no money in the account.

[Bound4Bermuda]

Yes, this thread seemed to devolve into personal attacks about credit vs. debit--and I don't really understand why people are taking this as a personal affront. I'm sure most people use both credit cards and debit cards, and it would never occur to me to get worked up over someone else's opinion of whether they prefer one or the other. To each his own. However, I can understand the death matches over chair hoarding and casual wear on formal night. :p Save the debate for the things that really matter! :D

 

So I was just trying to lighten the mood and bring it back to what really matters here: the who done it! But, yes, I was more snarky with the cat sitter comment than I would have been if I entirely believed this to be a true story. As many have said, the details aren't quite adding up. Then again, I'm sure if I were in such a frantic state, I wouldn't be making much sense, either. (Especially knowing every minute spent on the internet is probably adding another $50 to my OBA that I couldn't pay off!) But presuming the OP is really in this situation, then my apologies! That's an overwhelming situation to be in--and I hope the bank can quickly clear it up! (Do keep an eye on that cat sitter, though! S/he has access to your house--including your bank information or possibly online bank accounts if you use online banking and have your password saved on your computer.)

[wolfganghowell]

I just think it's weird someone in this situation would even post on CC before even attempting to call AmEx, who could reasonably solve the problem. And yeah, it does seem "funny" that they find themselves in a financial hole when they have posted here in the past about playing $50/hand in the casino. Another reason to have a credit card - the casino has a daily maximum and I would think they check those seapass charges very carefully to avoid issues like this. We are gamblers and I am happy for those limits so I can remind Mr Wolf that when he hits a losing streak, he's not ruining my AmEx card. :D

 

Pretty much no matter what our interpretation of all this is, we seem to have a consensus among everyone that we are not getting a full and accurate story here. And most likely never will.

[Cuizer2]

While following the OPs story which I'm not sure I fully understand I was wondering if one of you could clarify and answer some questions for me

 

If I link a credit card to my account does the cc company put daily holds on the card or just charge you at the end for what you charge to the sea pass account?

 

Is there a benefit to using cash? Will ROyal cut you off if you exceed the amount of cash ( doesn't sound like it from this story)

 

I am not aware of a credit card company putting hold on a linked bank account.

 

I use a credit card to establish my onboard account. I don't get any holds from the credit card company on my bank account. However, my bank account is not linked to my credit card. However, I do notice lots of hold on my credit card. From the cruise line, from the hotel, from the rental car company, from the gas station, from the land based restaurant. Since these holds come off fairly quickly once the actual amount is known, and since I don't go anywhere near my credit limit, it is never a problem.

 

If you use cash, it is my understanding the Royal will cut you off until you add more cash to the account. Is that an advantage? I don't use cash because I have no interest in carrying large amounts of cash around with me. I also don't like the idea of having to go to the bank everyday to get more cash. Going to the bank twice per month is more than enough for me.

[PhoenixCruiser]

Maybe this

 

http://boards.cruisecritic.com/showthread.php?p=37243332#post37243332

 

Good catch! I wonder if we will ever hear the rest of the story.

 

###

[9876]

Maybe this would work. I have seen Royal doing sign ups for their credit card at the Crown and Anchor counter on the ship. This was on the Allure a few years ago. I heard a guy telling someone they could immediately begin using it. I don't know if they still do that or if it's on all ships but it's worth a try.

 

 

Sent from my iPhone using Tapatalk

 

Good idea. I opened a card on the ship and was able to use it for that sailing. Good luck!

[Big_G]

Good idea. I opened a card on the ship and was able to use it for that sailing. Good luck!

 

Next up: Royal Caribbean Forced Me to Open Credit Card to Get Off the Ship :mad:

 

;)