Who has cut the ties with XM?
06-04-18, 11:49 AM
#31
Just me, I'd be less willing to provide a checking acct#, than a CC#, although I see your implication....you can dispute a transaction on a CC, but unless fraud, CC cos. will put the charge back when the merchant claims it's valid, then it's on your credit report that you disputed a valid charge (internal to the cc co.). Meaning you can't simply dispute a charge if say you forgot it would auto renew, etc. The only sure fire way to get charges removed, is to work it out with the merchant, and they remove it. It's a myth that a consumer can easily dispute any/all credit card charges--the merchant holds all the power.
06-04-18, 11:55 AM
#32
Lexus Fanatic
If you don't trust the people at XM with your credit-card number (and I can understand your concern...I'm careful myself about who I give it to), XM allows you to pay by check, and send it through the mail. That's what I do, although I try to charge as much as feasible on my daily/monthly bills to get the Reward-Points on my credit card, which one can redeem for gift-cards and other rewards. I especially like the Starbucks gift-cards.
06-04-18, 03:27 PM
#33
If you don't trust the people at XM with your credit-card number (and I can understand your concern...I'm careful myself about who I give it to), XM allows you to pay by check, and send it through the mail. That's what I do, although I try to charge as much as feasible on my daily/monthly bills to get the Reward-Points on my credit card, which one can redeem for gift-cards and other rewards. I especially like the Starbucks gift-cards.
06-04-18, 03:32 PM
#34
Lexus Fanatic
Strange that you find agents speak not so good English. That has never crossed my mind, and I have had to call every 6 mos. back to early 2012. What do you have against the way people speak in Wisconsin? Then again maybe you mean prior to when I started calling in 2012.
06-04-18, 03:38 PM
#35
Lexus Fanatic
Exactly, they used to automatically without my permission charge my credit card the much higher rate if I forgot to call after it expired, that is how I originally found out how much they were raising rates when I looked at the CC statement. Anyway I tell them I will pay by check and just send me a check though now they claim they will not under any circumstances charge your credit card under the new rate if you go by credit card, not sure how much I believe them but I might have paid by CC last time to avoid some silly check fee. I will see how it turns out.
06-04-18, 03:58 PM
#36
For the folks worried about giving SiriusXM your credit card number and auto renewal, see if your card issuer has vitural card numbers available. My bank allows be to get a virtual number which I can set a fixed dollar amount on and experation date. Then if you forget to call in and get a new deal when they try to auto renew it will be declined by the bank.
06-04-18, 05:21 PM
#37
Lexus Champion
For the folks worried about giving SiriusXM your credit card number and auto renewal, see if your card issuer has vitural card numbers available. My bank allows be to get a virtual number which I can set a fixed dollar amount on and experation date. Then if you forget to call in and get a new deal when they try to auto renew it will be declined by the bank.
06-04-18, 06:02 PM
#38
Lexus Champion
Strange that you find agents speak not so good English. That has never crossed my mind, and I have had to call every 6 mos. back to early 2012. What do you have against the way people speak in Wisconsin? Then again maybe you mean prior to when I started calling in 2012.
Not sure I understand the Wisconsin comment- I've always spoken to someone who is clearly not from, or based in, the US. They're HQ'd in NYC (and DC I believe) but it seems clear the customer service agents are outsourced outside of the country based on the 12-15 interactions I've had.
06-04-18, 06:06 PM
#39
Lexus Champion
My concern is how secure are the files that have all the CC numbers? I recently had my cc number stolen somehow and had charges at Walmart that I never made. Impressive was that Walmart called me to ask if the charges were valid. The bad thing is I had to cancel that CC account and create a new one and wait for a new credit card. I'm limiting how many places have my CC on file especially XM which I have no respect for.
06-04-18, 06:08 PM
#40
Lexus Fanatic
And I had a store clerk at The Children's Place hand write down my credit card # while shopping there and charge $500 of baby clothes to my account a few days later. This is not an XM issue--it literally can happen anywhere you use a credit card. Is it a pain to call and cancel a CC--sure; but totally worth it because I know I'm not going to be liable for those charges.
06-04-18, 06:15 PM
#41
Lexus Champion
I realize that the law allows credit card companies to charge you $50--none of them ever do; not any decent bank, anyway.
06-04-18, 06:30 PM
#42
Lexus Fanatic
That's what I was saying in my previous post about banks and good-will to loyal customers. Fortunately, I have never had any significant credit-card fraud to deal with, but my bank did irk me once by shutting down the credit-card computers one afternoon for maintenance.......as I recall, without any previous notice. I was once in Circuit City, a number of years ago, trying to buy something, when nobody could get my credit card to work, from the cashier-clerk all the way up to the store manager himself. It was embarrassing.....people around me were starting to give me funny looks, like I maybe was a crook trying to use stolen cards. I finally gave up and paid cash (I usually carry a good sum with me just for emergencies like that). I found out the next day, when I complained to the bank's customer-service, that they had shut the computers down that afternoon.
06-05-18, 05:26 AM
#43
Lexus Champion
That's what I was saying in my previous post about banks and good-will to loyal customers. Fortunately, I have never had any significant credit-card fraud to deal with, but my bank did irk me once by shutting down the credit-card computers one afternoon for maintenance.......as I recall, without any previous notice. I was once in Circuit City, a number of years ago, trying to buy something, when nobody could get my credit card to work, from the cashier-clerk all the way up to the store manager himself. It was embarrassing.....people around me were starting to give me funny looks, like I maybe was a crook trying to use stolen cards. I finally gave up and paid cash (I usually carry a good sum with me just for emergencies like that). I found out the next day, when I complained to the bank's customer-service, that they had shut the computers down that afternoon.
06-06-18, 08:59 AM
#45
Lexus Fanatic
Each to his (or her) own, I guess, but I listened to him a couple times when he first started doing his show, and I simply couldn't take the vulgarity and obscenity he was using. I lead a clean life, and strictly avoid that kind of stuff....don't even care to listen to it. He and his parent Infinity organization were fined by the FCC, but even that didn't stop it.
The key is though that just because you don't want to listen to it doesn't mean I shouldn't be able to listen to it.