Mar 6, 2007, 5:37 PM
Post #10 of 100
I am going to call the HSBC folks before I leave and find out if I'll have to notify them every time or not. Chase wants me to call them each time and I think they even asked me "where in Mexico?" once.
There is a difference between an HSBC ATM card and a Chase credit card. This has been my experience with each:
The HSBC ATM card was never questioned (much less confiscated) in SMA where I made regular withdrawals nor from ATM kiosks elsewhere in Mexico or the USA.
The Chase card was funny. I have had even small purchases declined both in Mexico and the USA. After a conversation with one of their fraud prevention folks, I learned that the system relies on a computer profile of customary purchases. After several consecutive months of purchases in Mexico, the first charge at WalMart or Golden Corral in McAllen would set off a red flag. Likewise, after a weeklong shopping binge in the US, my first charge back in SMA set it off again. I was advised to call Chase each time I intended to cross the border in either direction and tell them the expected duration. Even that did not guarantee against the embarassment and inconvenience at having purchases declined until a call to customer service could be made to clear it up.