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0 pointsjseliger12y ago0 comments

Wells fargo will refuse to cancel for you, saying it is between you and the vendor. Further to that, you can't even cancel your credit card, as Wells Fargo will transfer the recurring charge to a new card.

That's not been my experience with AmEx. Some scammy company began billing me for monthly charges, and I couldn't get anywhere through the telephone number listed on the bill. I called AmEx, disputed the charges, and got all the money back—but the company kept charging me every month anyway! AmEx said they'd put a block on the company, and since then I've been fine.

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kyllo12y ago

AmEx has a unique "no questions asked" chargeback policy. That's why people use AmEx cards despite that their interchange fees are higher, they aren't accepted everywhere, and they're harder to qualify for.

rickyc09112y ago

I can't speak for Wells Fargo, but I've had zero problems issuing charge backs with Chase Signature. I generally file a claim on their ridiculously unpleasant web form and I get temporarily reimbursed immediately while they investigate the issue.

ghshephard12y ago

Yes - that's the way it works with Wellsfargo. You are not required to pay the charge until they've completed their investigation. But, as long as the vendor has evidence that you submitted the card number, and that the vendor documented the recurring charge, and you agreed to the charge - you are responsible for the charges on your card.

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kyllo12y ago

rickyc09112y ago

ghshephard12y ago

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