クレジットカードの二重請求
クレジットカードの二重請求。海外に行くと、まれに不正対策でカードが使えなくなる。ご丁寧にありがたいのだけれど、これがやっかい。航空券を買うごとに不正検知にかかって、クレジット会社に連絡しなくてはいけない時もざら。
先日もインドでクレジットが不正対策にかかり3回ほどストップ。都度クレジット会社に連絡し、再利用できるようにしてもらったのだけれど、クレジットが使えるまで10分から30分ほどかかる。あまり時間がないので、10分ほどしてから、何度かトライしていたのだけれど、それが二重請求になっていた。
二重請求、クレジットカードの会員規約では、基本的に店側の原因で二重請求になった場合、会員が店と直接交渉することが求められているので、まずは自分で航空会社に問い合わせ。ただなかなか連絡がないので、同時に明細をそろえてカード会社に問い合わせ。とにかく色々と面倒。この前は無料キャンセル期間にキャンセルしたはずのホテルの代金が返金されていないものが何個かあったので、これも色々と明細をそろえて、結局返金までに３ヶ月ほどかかった。
最近のクレジット、特に海外のものは明細を見てないと、結構色々とエラーがある。とはいえ、それを差し置いてもクレジットはとっても便利だから、まあそれも含めてのクレジットの良さか？
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Double charges on credit cards. On rare occasions, when you travel abroad, your card will be blocked as part of fraud prevention measures. I appreciate the courtesy, but this is a problem. Every time I buy an airline ticket, my credit card is subject to fraud detection and I often have to contact the credit card company.
Recently, in India, my credit card was stopped three times for fraudulent activity. Each time I contacted the credit card company and asked them to reactivate the credit card, but it took 10 to 30 minutes before I could use the credit card. I didn’t have much time, so after about 10 minutes I tried several times, which resulted in double charges.
According to the credit card membership agreement, members are basically obliged to negotiate directly with the shop if the double charge is caused by the shop, so I first contacted the airline myself. However, it was not easy to get in touch with them, so at the same time I had to contact the credit card company with all the details. Anyway, it’s a lot of trouble. The other day there were some hotel charges that should have been cancelled during the free cancellation period but were not refunded, so I had to get all the details together and in the end it took about three months to get the money back.
These days credit cards, especially overseas ones, have a lot of errors if you don’t look at the details. But even with that, credit is very convenient.
