Why do companies do offline credit card renewal?

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Forums › Finance and wealth management › Why do companies do offline credit card renewal?

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richms

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#888953 3-Sep-2013 13:35

What annoys me is how companies only let you specify one card, so if it is near its limit or been pounded with pre-auth's then your transaction just declines and you lose your pay on time discount.

Then there are companies that only let you pay the _WHOLE_ outstanding amount on a card, so its impossible to do a split payment between 2 of them, like when you have a company card to pay for part of the expense for your power, or want to chuck $251 onto your gem visa to get 6 months interest free on it and the rest on the usual card.

Richard rich.ms

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#888955 3-Sep-2013 13:41

timmmay: Someone asked for my fax number recently. I said to fax it to 1990, as that was the last time I had or used a fax machine.

you're lucky you don't live in australia then

most gov agencies (tax office, medicare etc) will not talk to you over the phone, will not meet with you, will not give you an email address, you have to fax if urgent!

Involuntary autocorrect in operation on mobile device. Apologies in advance.

surfisup1000

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#888969 3-Sep-2013 14:00

timmmay: Someone asked for my fax number recently. I said to fax it to 1990, as that was the last time I had or used a fax machine.

ASB bank finally told me they will accept an email instead of their usual policy of requiring a fax.

Security is a funny thing, some companies have very opposite ideas on what is secure.

Regarding credit card renewal, I found most companies allow you to do it by phone -- only Sky TV required written authorisation.

But, I find sky tv have incredibly archaic IT systems. eg, ever tried changing your email address with sky online?

surfisup1000

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#888970 3-Sep-2013 14:00

joker97:
timmmay: Someone asked for my fax number recently. I said to fax it to 1990, as that was the last time I had or used a fax machine.

you're lucky you don't live in australia then

most gov agencies (tax office, medicare etc) will not talk to you over the phone, will not meet with you, will not give you an email address, you have to fax if urgent!

This is why the Aussie economy is going off the boil too.

Australia are very far behind NZ when it comes to IT and labour practices.

ajobbins

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#888985 3-Sep-2013 14:19

joker97: you're lucky you don't live in australia then

most gov agencies (tax office, medicare etc) will not talk to you over the phone, will not meet with you, will not give you an email address, you have to fax if urgent!

Can't say I can agree with that experience. I've spoken to the ATO on the phone several times without issue. Same with Medicare, although you sometimes have to go into a branch in person for some types of claims (The ones they deem a high fraud risk I'm told).

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trig42

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#888988 3-Sep-2013 14:24

ajobbins: We got new cards from the bank ealier this year (changed from gold to platinum).

I pay most of my bills automatically with the card. That way I can just eyeball the bill when it comes in, and if all looks OK I don't have to do anything else and it just gets paid. Probably had about 10 things set up this way that I had to change.

Most places were pretty good, some had web portals where I just put in the new card details and it verified it and all good. A couple I had to call and they did it over the phone.

One however, my power company (somewhat ironically called 'Click Energy'), made me fill in, sign, and email in a printed form. Sure enough when my next bill was supposed to be paid, it got declined and they hadn't processed the form and tried to ping my old card. I rang them, and they found it sitting on someones desk. They said they would sort it that day, but the same thing happened the following month. Still sitting on the same persons desk, unprocessed.

They finally sorted it after about 4 phone calls and two months of manually crediting my prompt payment discount for their screw up.

They already have an online portal where I can log on, view and pay bills manually - surely it can't be that hard to add the ability to capture card details for future automatic payments like most of the others do.

Whilst they are doing this to comply with PCI (or their online system doesn't), leaving your credit card details on someone's desk for 2 months is much much worse...

We deal with customers credit cards at work, and the biggest no-no is having them written down. If we do have to write them down (taking them over the phone), they have to be shredded ASAP. If we got caught keeping them or not processing straight away, the PCI people would be very unhappy.

mattwnz

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#889027 3-Sep-2013 15:13

joker97:
timmmay: Someone asked for my fax number recently. I said to fax it to 1990, as that was the last time I had or used a fax machine.

you're lucky you don't live in australia then

most gov agencies (tax office, medicare etc) will not talk to you over the phone, will not meet with you, will not give you an email address, you have to fax if urgent!

That sounds like the UK, although a lot of their government suport now seems to be subcontracted out to developing countries. NZ isn't exactly advacned though, they quote that it can take 14 working days to get email responses from some gov agencies.

mattwnz

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#889057 3-Sep-2013 15:37

trig42:

We deal with customers credit cards at work, and the biggest no-no is having them written down. If we do have to write them down (taking them over the phone), they have to be shredded ASAP. If we got caught keeping them or not processing straight away, the PCI people would be very unhappy.

I think it depends on your merchant agreement, as to whether you have got permission to take 'mail orders' You should never take the CVC code over the phone, nor write it down. For mailorders you don't seem to need the CVC code. This is why some retailers will not accept cerdit cards over the phone to pay for something, and you have to go into the store.

richms

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#889092 3-Sep-2013 16:30

Interesting. Seems to deviate from what I have been told elsewhere about the number. I know you are not supposed to store it in a computer system at all.

The terminal wouldnt ask for it when doing a manpan if you were not supposed to have the number, nor online processing done by the merchant like buyline. Which does seem to need it in most cases when you get a customer who refuses to provide it.

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richms

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#889093 3-Sep-2013 16:32

surfisup1000:
But, I find sky tv have incredibly archaic IT systems. eg, ever tried changing your email address with sky online?

Sky will (at least last time I tried) accept a wrong email address, assign it to your account without any verification link, and then refuse another attempt with the correct email address.

Add to that, when you call up to talk to a call center person about this issue, they wont help you unless you provide them unknown wrong email address that was entered into the form and submitted. Bizzare practices at that place.

Richard rich.ms

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#890384 5-Sep-2013 15:40

Pretty straightforward I would have thought.... log in, update card. Simple.

If you can't do this, it basically means the company has no provision for this in the CRM / website for whatever reason

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