I usually just pull out a different credit card, and then take the card that didn't work out of my wallet when I get home.
Sometimes I might get around to calling my bank (somewhat depends on my perception of how long their customer service is going to take to fix the issue), but it's faster for me to just replace that card with another card from my collection of cards (I've got too many cards to keep them all in my wallet at any given time).
The last card which was incorrectly flagged for suspicious activity probably cost that bank several thousand dollars in foregone interchange fees.
> Sometimes I might get around to calling my bank (somewhat depends on my perception of how long their customer service is going to take to fix the issue), but it's faster for me to just replace that card with another card from my collection of cards (I've got too many cards to keep them all in my wallet at any given time).
This is a real and common problem for banks/card issuers, who tend to be obsessive about keeping genuine transactions declined to a minimum for this reason.
Blocking all fraud is achievable, but it would come at the cost of many instances like this.
There are many merchants who have found that increasing the generosity of their refund policy leads to decreased refund rates.
I.e. a 6 month refund window may have a lower overall refund rate than a 1 month window.
It gives users who are on the fence about the value of a product more time to see how they've gotten value out of it. It also gives people longer to forget to ask for the refund.
The only reason some companies have a "1 year" refund policy instead of "lifetime/anytime" is because of issues like credit card merchant processors being uncomfortable with the credit risk that creates.
Translation: edoceo built an app to help marijuana stores sell weed and keep track of weed and implement controls on the amount of weed purchased and where it came from and where it went.
Other apps either do the same thing or are less obvious about what their functionality is for, and Apple ignores it or is unaware or turns a blind eye.
edoceo thought an app which documents compliance with State law (and documents non-compliance with Federal law) should be allowed in the app store. Apple didn't.
I recently had to call to pay a highway toll because their system for accepting payments online was broken.
The IVR was an endless tree of options, and at each option, it would point out how much time I would save if I paid online. It took several minutes to navigate the phone tree before being placed on hold. Pressing 0 didn't help.
I made a point of spending time with the agent talking about the problems with the phone tree. I did so very politely but also very slowly and verbosely - it took several minutes.
I think if we were able to create a social convention where people waste n or 2n minutes of the agent's time when the company has wasted n minutes of their times, it could change the incentives.
Right now companies save money by having long times. If we could create a movement to do this, leaving customers on hold too long would lead to congestive collapse. Long hold times would end up costing more money than simply having adequate staffing.
Sometimes I might get around to calling my bank (somewhat depends on my perception of how long their customer service is going to take to fix the issue), but it's faster for me to just replace that card with another card from my collection of cards (I've got too many cards to keep them all in my wallet at any given time).
The last card which was incorrectly flagged for suspicious activity probably cost that bank several thousand dollars in foregone interchange fees.