Ok, so I actually said yes to them when they called and asked if I wanted the service. I figured that since I make a lot of purchases online and have had my credit card info stolen from hacked sites before, it was probably a smart thing.
I get the package in the mail today and find out it's kinda crappy. First off, $8 a month. Not horrible, but it would need some good things to justify it. Here's what I get for my $100 a year: - "Fraud Alerts" when someone requests another card, a pin change, or does a large value or unusual transaction - "Fraud Adviser" getting a free credit report from all 3 agencies and help filing disputes with all three - $25,000 fraud insurance Doesn't Visa itself give you automatic insurance against most fraudulent charges? The 1 occasion I had a card hijacked and charges posted I disputed them and never ever had to pay or worry about them again. And I didn't need to pay no $8 a month either. Here's the big question. Most of what this $8 a month gets me is what normally a credit card company would provide. If I decline the program, am I declining what would normally be my rights as a consumer? -- Brian
