So funny story. I once went to the beach for the weekend, but my card was declined when I got to the hotel. When I called the bank on Monday, they told me it was because it was used in two different states in the same day. I’m like, “Yeah, I got gas when leaving home and drove to the hotel. You realize the two states are connected, right?!” Six months later, my card number was stolen from somewhere and was manually keyed in three times at Universal Studios for charges of a little over a grand on a Friday evening. When I discovered it and contacted the bank on Monday morning, they wanted to investigate. They said that, if the charges were indeed found to be fraudulent, they would return my money in 5-10 business days. I was irate. I told them, “I tried to use my card to pay for a hotel and you declined it to protect my money from ME. But when the bad guys ready did steal my info and are keying in numbers instead of using the actual card - not at all suspicious - for over $1000, your answer is ‘seems legit, here ya go.’ And when I report it, you look at me suspiciously and tell me that it’s going to be 1-2 weeks before I can even get my money back?!? I can assure you that as soon as you give me my money back, I will be withdrawing it and going to another bank.” And sadly I had been a customer with zero issues for almost 20 years at that point. Needless to say they got off their butt, called home office, and my money was back in my account before I walked out.

I try to spend my money, the bank: “Nope.”

Bad guys want to spend my money, the bank: “Carry on!”

He should be at the register looking confused with a pissed off cashier and a line of people behind him. The fact he's carrying away his groceries in a bag means the card worked.

Me when I was in Poland buying water at Zabka which I told Presidents Choice MasterCard I'll be in Poland for a time span, and yet they still froze my entire account and cut off access for a month while their fraud team worked it out. This was my only source of payment while I was abroad (I've since corrected this).

Their apology was $25 in in-store points, I said "what the fuck??" They came back to me with "Great news! I've been given permission to give you $50 in in store credits!". To which I responded "get fucked" and cancelled my account.

I now roll with Simplii, Amex, and Wealthsimple and have had a much better experience. Although simplii has felt pretty barebones, I might change from them.

Ed Bollion tells a funny story where during his cannonball run, his credit card was declined because he was moving too quickly between gas stations, since he was averaging like 100+mph or something like that.

Chase blocked my card when I was on vacation because they ... don't let you tell them you're on vacation anymore. They're like "nonono let us try to guess it's so much more fun for us"

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