I get what you are trying to do, but unless it's a face to face with cash, there's a record. I didn't look at your location, but even face to face you have to log it somewhere in mASS right?
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This bank wants to track suspect credit card sales of guns and ammo. Why can't it?
- Thread starter Buck F
- Start date
Not trying to hide any gun purchases at all, kinda impossible in MA anyways. I just pay cash for guns and the OP was concerned with CC companies knowing your business, not the gov.
Don't want CC companies knowing about your purchases, use cash. Worried about gov knowing your gun purchases? Move to a "free" state and buy everything using the Glock loophole.
Ok, I see the difference. I live in about as free a state you can be in, I would say 'Thank God', but no way I'd ever move to mAss or any other blue hellhole.
CB credit card just blocked an on-line transaction. They said the merchant put in an extra layer of security. I called them a liar. I told them they blocked the transaction.
Then they asked for my cell phone number so they could send me a code. I told them to to go off themselves.
They can either cancel my account or leave me the iff alone.
They didn't know whether to crap or go blind....
I'll be cancelling that account.
Anyone have a good bank for credit cards?
Oh yeah, I was buying a pair of pants and shorts off a tactical site. They don't even sell firearms or ammo.
Then they asked for my cell phone number so they could send me a code. I told them to to go off themselves.
They can either cancel my account or leave me the iff alone.
They didn't know whether to crap or go blind....
I'll be cancelling that account.
Anyone have a good bank for credit cards?
Oh yeah, I was buying a pair of pants and shorts off a tactical site. They don't even sell firearms or ammo.
To be fair, any good credit card fraud department is going to risk false positives, blocking desired transactions.
Lithic (Privacy.com) has an interesting model, but you lose the "float".
eboos
NES Member
So let me get this straight: a bank wouldn't have a problem if someone makes $9,000, $26,000 or $95,000 worth of purchases in a very short (or relatively short) period of time, but if it involves guns it is problematic?
it involved pants. they don't sell guns....
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eboos
NES Member
For a second I was wondering "what the hell are you talking about". Then I looked at your previous post. LOLit involved pants. they don't sell guns....
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Edit: Bro! For real?
![[rofl]](/xen/styles/default/xenforo/smilies.vb/013.gif "ROFL [rofl]")
Look who else shops there, apparently
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It is not about flagging suspicious sales, but giving banks the option to configure their system to deny approval of any charge submitted by a denounced category.
This is already in use elsewhere. I have a Mastercard tied to by FSA (Health care flexible spending account). Not only is the merchant type tagged, but the purchase categories are so approval will be denied for any products not on the "FSA Approved" list.
Categories are also used to assess merchant fees. The fee level depends on the type of card (yes, merchants pay more when you use a Visa Signature card instead of a different version of Visa card; merchant type (supermarkets and gas stations pay a lower percentage); type of transaction (card present gets a lower rate than online of phoned in card number); etc. It would be trivial for banks to put gun stores on the "deny" list or for Visa or MC (not sure about the individual banks) to set the percentage fee for the gun store category (an intermediary generally adds another fee on top of this). I learned lots of cool stuff when developing an interface to the CC processing system before vendors like Stripe eliminated the need to understand a lot of details.
This is already in use elsewhere. I have a Mastercard tied to by FSA (Health care flexible spending account). Not only is the merchant type tagged, but the purchase categories are so approval will be denied for any products not on the "FSA Approved" list.
Categories are also used to assess merchant fees. The fee level depends on the type of card (yes, merchants pay more when you use a Visa Signature card instead of a different version of Visa card; merchant type (supermarkets and gas stations pay a lower percentage); type of transaction (card present gets a lower rate than online of phoned in card number); etc. It would be trivial for banks to put gun stores on the "deny" list or for Visa or MC (not sure about the individual banks) to set the percentage fee for the gun store category (an intermediary generally adds another fee on top of this). I learned lots of cool stuff when developing an interface to the CC processing system before vendors like Stripe eliminated the need to understand a lot of details.
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Credit Card Companies hate this one easy trick......
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Vendors whose shady practices put them at risk of chargeback like that easy trick.
The real moral is don't have a cell phone and always pay cash for everything.
VISA to apply New Code flagging firearm related stores / purchases
Looks like the rush to close Visa accounts is about to start...
Looks like the rush to close Visa accounts is about to start...
Doubtful. It isn't as if any other card issuer is better.
Visa, Mastercard, Amex to Track Gun Shops With New Merchant Code
The move, a win for gun-control advocates, excludes firearms sales at big-box retailers.
www.wsj.com
Visa, Mastercard, AmEx to start categorizing gun shop sales
Payment processor Visa Inc. says it plans to start separately categorizing sales at gun shops. The move disclosed Saturday marks a major win for gun control advocates.
apnews.com
Sen. Warren urging credit card companies to track gun purchases
Democrats are urging Visa, MasterCard and American Express to flag suspicious purchases to fight gun crime.
www.deseret.com
So far it doesn't appear that Discover is on board.Doubtful. It isn't as if any other card issuer is better.
Visa, Mastercard, Amex to Track Gun Shops With New Merchant Code
The move, a win for gun-control advocates, excludes firearms sales at big-box retailers.
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So if the CC companies have ostensibly become agents of the state, wouldn't they be subject to that pesky Constitution and now require a warrant, issued by a judge based on probable cause of a crime being committed to search your transactions? Can't have it both ways.
Generally that is only true when the state asks them to take an action. If a business takes it upon themselves to act as snitches out of a sense of civic duty, without being prompted or directly incentivized/blackmailed by law enforcement, generally no civil rights issue is raised and the warrantless data is admissible.
For an example of loopholes, see for example the Right to Financial Privacy Act ((12 U.S.C. 3401)
RFPA said:
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