People paying in full - will you call your credit card company ahead of time?

[kingneptune117]

I keep reading people posting that if you are planning on paying in full for the iPhone X preorder, to call your credit card company and let them know to expect a large transaction. Is this really necessary? I'm not even sure when I would tell them to expect it, since I've heard mixed reports as to when Apple actually charges your card. Some people say it happens on the 27th when you place the preorder, others say it happens when it ships.

Thoughts?

 

[DennisdeWit]

I am not calling my creditcard company. I paid my MacBook with the same creditcard and it worked fine. I don't see any reason to call them.

 

[Givmeabrek]

During ordering they usually only charge $1 to confirm the account is legit. That drops off in a few days and then the actual charge is when it ships.

So there is not much point in notifying the bank before ordering.

 

[Applefan4515]

I'm not even sure when I would tell them to expect it, since I've heard mixed reports as to when Apple actually charges your card. Some people say it happens on the 27th when you place the preorder, others say it happens when it ships.

Thoughts?

They place a charge on the card when you preorder to make sure that the funds are available. The charge is then removed until the phone ships. A lot of times of the phone ships on time you never see the charge removed, or they just don’t remove it.

 

[dukebound85]

why would you call them? The only time I ever call my cc company proactively is when I am traveling outside the US

 

[benzslrpee]

i am guessing some of these people have had issues with their bank declining or needing to verify purchases

why would you call them? The only time I ever call my cc company proactively is when I am traveling outside the US

 

[garyleecn]

I won’t call them... I have AMEX Platinum with really high limits, they won’t have any problem with me using it buying a car, let alone an iPhone... of course as long as I can pay them in time lol
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i am guessing some of these people have had issues with their bank declining or needing to verify purchases

You can call them after the decline and still get it in time