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Old 25.07.2012, 20:17
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SBB VISA CARD (HALF FARE) and their tricks to get extra money

Hi,

I only wanted to say here with a couple of examples how these guys try to get extra money from you:

- When paying with the card I took the sbb card by error and used the pin from other card. It wasn't accepted but...... A couple of days later without asking it, I receive a letter with the pin and 10 CHF extra in the bill.

- After coming back from holidays, I see a letter with the bills from the card, but I sent the money 2 days later than the last day possible because of the holidays (weekend in the middle and I couldn't pay on Saturday). Result: extra charge in the next bill... but it's interesting that the charge counts from the time they sent the letter (fast a whole month).

I hate the banks and I had to say it.

Greetings
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Old 25.07.2012, 22:18
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Re: SBB VISA CARD (HALF FARE) and their tricks to get extra money

This is a standard that has existed in many countries for a long time. Pay your bill on time and problem goes away!!
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Old 25.07.2012, 23:39
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Re: SBB VISA CARD (HALF FARE) and their tricks to get extra money

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This is a standard that has existed in many countries for a long time. Pay your bill on time and problem goes away!!
The reason why I paid later was because I was on holiday.
I always pay ON TIME!
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Old 26.07.2012, 05:17
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Re: SBB VISA CARD (HALF FARE) and their tricks to get extra money

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The reason why I paid later was because I was on holiday.
I always pay ON TIME!
Well, shucks officer, I was only speeding because I was late!

If you're going to be on holiday so long that paying your bills on time becomes impossible (keeping in mind that the bill would have arrived a day or two after it was sent) then it's your responsibility to find an arrangement. You didn't pay on time, you got charged interest. That's the way the system works - they provided you the service of extending the duration of your credit while you were away and charged you for it.

Try automatic direct debit payment (LSV) if you have difficulties with the concept.
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Old 26.07.2012, 05:55
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Re: SBB VISA CARD (HALF FARE) and their tricks to get extra money

I paid a credit card bill late once because I was on vacation. I tried paying it from where I was, but some security aspect (firewall ?) prevented me from doing so. When I returned home, I paid the bill and contacted the credit card company, explaining what had happened. They reversed the late charge.

Of course, this was in the US. Would a bank in Switzerland be that generous?
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Old 26.07.2012, 06:50
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Re: SBB VISA CARD (HALF FARE) and their tricks to get extra money

With UBS you can decide when you want the payment to be way in advance
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Old 26.07.2012, 07:05
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Re: SBB VISA CARD (HALF FARE) and their tricks to get extra money

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Hi,

I only wanted to say here with a couple of examples how these guys try to get extra money from you:

- When paying with the card I took the sbb card by error and used the pin from other card. It wasn't accepted but...... A couple of days later without asking it, I receive a letter with the pin and 10 CHF extra in the bill.

- After coming back from holidays, I see a letter with the bills from the card, but I sent the money 2 days later than the last day possible because of the holidays (weekend in the middle and I couldn't pay on Saturday). Result: extra charge in the next bill... but it's interesting that the charge counts from the time they sent the letter (fast a whole month).

I hate the banks and I had to say it.

Greetings
You have difficultly chosing between 2 credit cards and this is the fault of somebody else ?

You don't pay yopur bills on time them bitch about being charged extra ? Credit cards have ALWAYS worked this way, pay up 100% on time and there is no interest, pay a part of the bill or be late by one day and pay interest.

They really do try and keep it as simple as possible

Maybe you should read the instruction book that came with your cards !
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Old 26.07.2012, 07:44
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Re: SBB VISA CARD (HALF FARE) and their tricks to get extra money

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The reason why I paid later was because I was on holiday.
I always pay ON TIME!
Definitely frustrating. Just be glad it wasn't your rent or a mortgage that was late. Hope you had a good holiday though. =)
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Old 26.07.2012, 07:52
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Re: SBB VISA CARD (HALF FARE) and their tricks to get extra money

when I read the title i was expecting a complaint like this:
one trick of the half fare card is that it implies that one pays half the price for a fare. but in reality one pays like 5.80 instead of 8.40 for a ticket (over half price).
but this seems to be off topic right now?

anyways if this should also be the case, dont stress too much. for 150.- a year for the card it is a bargain. even if not quite paying half the price
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Old 26.07.2012, 08:07
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Re: SBB VISA CARD (HALF FARE) and their tricks to get extra money

You can go to www.myonlineservices.ch and see the invoice online several days before you will receive it in the mail. This can be useful if you know that you will be on holidays. They also email you as soon as the new invoice is available online.

You can also click on the Service tab, where you can download the Direct Debit (LSV) form to give to your bank, allowing BonusCard to automatically withdraw the full amount of the bill from your bank account every month.
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Old 26.07.2012, 22:50
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Re: SBB VISA CARD (HALF FARE) and their tricks to get extra money

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You have difficultly chosing between 2 credit cards and this is the fault of somebody else ?
That's not the point. But I will repeat the question like for a child:

Is for you normal to have to pay 10CHF for entering your PIN wrongly? I give the 10 CHF better to someone on the street, who doesn't have to eat, like I sometimes do!

Last edited by Jonesy; 26.07.2012 at 23:04. Reason: Fixed quoting error
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Old 26.07.2012, 22:54
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Re: SBB VISA CARD (HALF FARE) and their tricks to get extra money

why the groan? i'm trying to help, son
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Old 26.07.2012, 23:05
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Re: SBB VISA CARD (HALF FARE) and their tricks to get extra money

solved. Thanks.
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Old 27.07.2012, 00:08
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Re: SBB VISA CARD (HALF FARE) and their tricks to get extra money

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- When paying with the card I took the sbb card by error and used the pin from other card. It wasn't accepted and the card was blocked but...... A couple of days later without asking it, I receive a letter with a new pin and 10 CHF extra in the bill for unblocking my card and sending me a new pin.
Fraud prevention, HTH.

Now, whether that should cost 10 Franks or less is another matter.
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Old 27.07.2012, 07:27
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Re: SBB VISA CARD (HALF FARE) and their tricks to get extra money

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That's not the point. But I will repeat the question like for a child:

Is for you normal to have to pay 10CHF for entering your PIN wrongly? I give the 10 CHF better to someone on the street, who doesn't have to eat, like I sometimes do!
AT least the half-tax card was true to its self - if I remember correctly when my wife made the same pin-entry mistake with her Kantonalbank Maestro card and locked herself out they charged her CHF20 or 30.

But in all honesty I find the bank/credit card charges here in Switzerland to be very reasonable. OK they charge for incidentals such as this but they are very reasonable on other items such as annual fees. In particular they are the most reasonable I have found anywhere for sending/receiving money electronically. And most of all they are reliable.
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Old 27.07.2012, 07:45
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Re: SBB VISA CARD (HALF FARE) and their tricks to get extra money

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Definitely frustrating. Just be glad it wasn't your rent or a mortgage that was late. Hope you had a good holiday though. =)
This friendly post deserved a groan why exactly?
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Old 27.07.2012, 07:53
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Re: SBB VISA CARD (HALF FARE) and their tricks to get extra money

Come on, guys, everyone knows that Swiss companies send their bills so late that you only have 7days left to pay the bill while the payment period is 14 days. Pisses me off every time.
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Old 27.07.2012, 08:20
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Re: SBB VISA CARD (HALF FARE) and their tricks to get extra money

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This friendly post deserved a groan why exactly?
Because this is one of those typical red-blob threads
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