Don’t you love banks ?????

Ok so….and this is Christmas, the sound of cheerful Christmas music and lights is showing all over the boulevard here in Altea, close to Benidorm Spain.  But off course your bank has to spoil the festive mood, “for your security”.  So my Itunes account is linked to my American Bank Account  (Huntington bank), because Itunes prefers American debit cards.   Being in Spain and buying an episode on Itunes, ticked of some kind of alert and they block the card!   Even though the days before I have bought a few episodes without problems.   But on Christmas eve you get ‘card declined, …so a minor inconvenience.   I can wait a month or so till I visit the US again, but this  also means any updates from Apple are blocked, because the card is ‘not valid’, which is a real pain.  You can not update apps, security updates etc.

I had to accept making a phone call to the US.  Fine you call, get all the info they need ready, tax ID,  phone number, last deposits etc etc.  I wonder why they don’t ask for color of my underwear?

You call the 24-7 # and the voice prompt first directs you that you NEED to set up a secret pin for “YOUR’ protection, (a.k.a. reducing their liability) . spending a few minutes dealing with that leads you to ……for other questions please call back during business hours.

You call the non 800 # ( which is published for people OUTSIDE the USA, so they realize the world is bigger than the US) and after the series of verifications……”Oh it is a business account..let me connect you ”  and when that answers ” for questions please call back during business hours.”

OK lets try it a second time, and when they started to ask all the security questions I blurt out.  STOP..I am overseas and you blocked my card, I need you to correct this and NOT put me through to a number that says call back during business hours”.  Now I get the security barrage.  BUT I need to say the exact days I am abroad, which is silly.  so after going back and forth I just say DEC 30 2018.   And the final surprise is ….”Sir it wil take 30 – 45 minutes before this is active” .   WOW they use post pigeons?
Gosh how much easier are ABN AMRO and RABO bank, they let you set your limits for your card ( the US bank says for your safety we limit it to $300, in case you loose the card, or you get robbed).   With the Dutch banks, I can set a limit as high as I have . balance,  I can set limits for Europe, or other continents.  Why is the US banking industry behind ?

Have a great Christmas !!!

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