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How do credit card companies investigate disputes?
I know all Quorans love when an answer begins with “It depends …”, but it really does depend on the nature of the dispute.There are a standard list of dispute types:Fraudulent - someone got hold of your card or number and used it to buy stuffUnrecognized - you don’t recognize the purchase (maybe the merchant name is different than the store you visited)Product not Received - you ordered something online / by mail / by phone and you never got the item but your card was charged anywayProduct Unacceptable - you got something, but it wasn’t what was promised or was broken, etc, at deliveryCredit not Processed - you returned something, but the refund never made it to your accountDuplicate - somehow, you got charged twice for the exact same thingSubscription canceled - you used your credit card to pay for a subscription of some kind, you cancelled the subscription but they are still charging your card for itGeneral - anything that doesn’t fall into the aboveMost credit card companies will require you to submit your dispute in writing and they may ask you to pick which category your dispute falls into. That will help them decide how to go about the investigation.For example, in the case of Fraudulent: the card company will ask you if you have always had physical possession of the card. If you did not - say the card was lost or stolen - then they may make you fill out a police report on the stolen card before they will investigate any further. They’ll request a copy of the signed receipt from the merchant or the “electronic signature” in the case of online or PIN-based purchase. If they can verify the signature doesn’t match yours or if the PIN was somehow overridden, then they’ll chargeback the merchant and permanently credit your account.In a few of the other cases, they may ask you to try to resolve the issue with the merchant first, and document all that so if you have to escalate to them, you’ll have some record that you tried.As you can imagine, since the categories are different, the way they are investigated is different. You can’t treat a “fraudulent: dispute the same as a “product unacceptable” dispute.Your cardholder agreement explains your rights (provisional credit, maximum length of time to have to wait for resolution, etc) and how to handle disputes (submit it writing within X days, provide copies of forms, etc).If you do have a dispute - my personal recommendation is to document, document, document. Keep a log of everything you do related to the dispute - who you talked to and when, what you sent and where. And don’t hesitate to escalate if needed. No one can look out for your best interest better than you !
How much does it cost to fill out a swimming pool?
The average price of water in the United States is about $1.50 for 1,000 gallons. The water required for a pool is in between 15000 gallons to 25000 gallons, you can do the maths now. One important thing is that ask your pool construction company that, is it ok to fill up water continuously or not. They can suggest you in a better way.
How do I transfer money from one netspend card to another netspend card?
Transferring money between NetSpend accounts is easy and free. Just log into your NetSpend account here to link your cards: Netspend Prepaid AccountNetSpend is easy and flexible. You shouldn't have any trouble spending or moving your funds any way that you want to.
How does Netspend get direct deposit up to two days early?
Back in the dark ages when I worked in systems for a major bank, it was not at all unusual for the bank to get ACH transmissions early. At the time, the FED was responsible for the distributions and would ship the files early to ensure the banks had enough time to verify that the file transmission was accurate or get a retransmission if not. Funds from an ACH file were memo posted and available on-line the morning of the deposit date, even though they weren’t posted until the nightly posting run.I don’t know how the transmissions are handled now.Of interest here is whether Netspend actually makes the funds available early? If so, they must be fronting the money because the ACH rules specifies when the files totals are to be reconciled, and I find it highly unlikely that either the FED or the sending institution would be willing to release the funds early.
How does a NetSpend card become locked?
A2A. All credit cards will become locked if you give the wrong PIN three times, , if the card has expired or the card has been reported as lost or stolen.
How does one get invited to the Quora Partner Program? What criteria do they use, or is it completely random?
I live in Germany. I got an invite to the Quora partner program the day I landed in USA for a business trip. So from what I understand, irrespective of the number of views on your answers, there is some additional eligibility criteria for you to even get an email invite.If you read the terms of service, point 1 states:Eligibility. You must be located in the United States to participate in this Program. If you are a Quora employee, you are eligible to participate and earn up to a maximum of $200 USD a month. You also agree to be bound by the Platform Terms ( as a condition of participation.Again, if you check the FAQ section:How can other people I know .participate?The program is invite-only at this time, but we intend to open it up to more people as time goes on.So my guess is that Quora is currently targeting people based out of USA, who are active on Quora, may or may not be answering questions frequently ( I have not answered questions frequently in the past year or so) and have a certain number of consistent answer views.Edit 1: Thanks to @Anita Scotch, I got to know that the Quora partner program is now available for other countries too. Copying Anuta’s comment here:If you reside in one of the Countries, The Quora Partner Program is active in, you are eligible to participate in the program.” ( I read more will be added, at some point, but here are the countries, currently eligible at this writing,) U.S., Japan, Germany, Spain, France, United Kingdom, Italy and Australia.11/14/2018Edit 2 : Here is the latest list of countries with 3 new additions eligible for the Quora Partner program:U.S., Japan, Germany, Spain, France, United Kingdom, Italy, Canada, Australia, Indonesia, India and Brazil.Thanks to Monoswita Rez for informing me about this update.