CCBill is a piece of shit
 

Every once in a while, I wonder if I am doing the right thing with Globill. Everybody always swears by CCBill, blah, blah, blah.

So tonight I try to join a site (not a porn site actually, but I was buying an advertisement). Using CCBill.

I actually tried 9 credit cards, all good to say the least, and got declines on all 9. Good cvn, right address, etc. Never had a dispute with anybody on my life so I know I'm not on any blacklist.

Every time I join a site (or test my own) with Globill, Ibill, or PayPal - no problem. But this is the second time CCBill fucked me up.

What a waste of time. I'll stick with Globill. I had to email the damn site and ask how else I can pay! I'd have a better chance of sending it over by donkey than getting it past the broken CCBill scrubber.

Now I understand your pain.

:eek7

www.mcdonalds.com and apply porn aint for you bud

You have 9 credit cards?

You must have some serious debt!

Eat shit and die.

Actually its more like 20, but I got tired at 9. No, I have never ran a cc balance the last 10 years or so anyway, I just can't turn down those nice girls that call me at dinner...

Having CC's does not mean you have debt???..it means you have good credit:) Not paying them off the minute you get them, now that means you have debt:Graucho

More sites need multiple processors...

On a side not you had a nice gallery on thehun today, keep it up:thumbsup

Of course it means you have debt, unless you've never used them before.

If you really had good credit, you would only need one credit card because the credit limit would be really high.

Having 9 credit cards (or 20) each with a small credit limit like $1000 isnt really considered great credit.

Having 1 credit card with a $100,000 credit limit is good credit.

Everytime you apply for credit it goes on your report, and as far as having good credit goes it isn't a good thing to see someone with 20 credit cards.

Hey strainer

Can you tell me what country your in?

This may have somethin to do with it

Daniel

Hes from PA, and having 9 working credit cards means no debt

Right, this is why I always keep my credit limits on all cards as low I need them to be. Having high limits, or lots of lows, eats away at your overall credit rating, which is ultimately based on income versus debt :)

all my credit cards are banned by ccbill. i'm assuming a ton of potential sales are being lost from legit customers.

are you black?

If you tried 9 cards from the same ip and computer all at once of course they didn't go thru, you're temporarily banned for hitting them again and again.

that doesn't explain his first couple attempts

I've got quite a few credit cards...I have switched a lot over the years as various banks kept offering me lower platinum interest rates and other perks such as cash back, frequent flyer miles, free crap, etc. I don't think it has hurt my credit...never had trouble getting house loans, car loans, or whatever...I charge everything I purchase online and a lot of things I purchase offline on my VISA Platinum card...they provide a lot of protection for consumers.

If you have 10 credit cards, each with a $10k limit, all creditors view that as $100k of debt, whether or not you have a balance on your card.

The reasoning behind this? At anytime, you can go out and max those cards. It's pretty much "pending debt".

And the more credit cards you have, the worse it looks on your credit history. It makes you appear as a credit seeker and lowers your credit score each time you get a new one.

:eatmouse

Actually more credit cards are good if you need to borrow a lot of money.

Banks rate your credit based on your available credit, so if you use 25% of any credit card limit, they take that as a negative.

So haveing a large amount of unused available credit is actually a plus.


Chris

I just wear my gold hat when applying for a loan

Wrong.
I work for Visa. I review/approve credit card applications and credit limit increase requests daily. And I can confirm to you that your total debt load is based on the total amount you have available to you.

Your monthly debt ratio is measured like this:
(rent/mortgage payments) + (car payments) + (min. monthly payment on any loans) + (min. monthly payment on all your credit cards if they were maxed) / monthly income

say your rent is $500/mth, your car is $500/mth, your loan payment is $100/mth and you have $100k of available credit at 3% min monthly payment ($3k) and you make $3500 a month. your debt ratio is $4100/$3500 and you're $600 in debt monthly.

Any creditors look at it like that, even if you have a zero balance on all your credit cards.

I have 2 gold cards with Visa & mastercard, as well as my brother, tried all of them to signup to my own paysite and couldn't get in with Epoch but pswbilling and CCbill accepted my cards fine. Certain credit card companies bann certain card numbers or areas. Its not that your card is bad its that CCbill has had too many chargebacks from people in your same card/bank index or area.

Accept it, all credit card companies do it to keep chargesbacks low

I have 6 credit cards, each buying 1 trial a day

And I have perfect credit.
:winkwink:

Just out of curiosity, all those who are saying they have perfect credit, what do you base this on?
Your own assumptions, or you've actually ordered copies of your credit files?

You would not believe the amount of people who call me daily and I decline their requests for limit increases and they respond "But I have A1/perfect/spotless/impeccable credit" just because they assume they do.

"Sir, have you ordered a copy of your credit report?"
"Uh... no..."
"Well, I suggest you do so, and them make an opinion on your credit rating"

Or there's this conversation as well:

"Our low-rate interest card is based on your credit rating and your interest rate can be anywhere from 6.9% to 11.4% based on how good your credit rating is"

"Well that's great, I have a great credit rating, so my rate will be 6.4%"

"Uh, sorry sir, but it's actually 10.4%"

Bottom line www.ccbill.com KICKS ASS, because LAGWAGON said so. dont forget that BITCH!

:GFYBand <------ playing for my brotha's at ccbill

Certain banks are blacklisted due to the amount of chargebacks the billers got from them.

Now you have 20 credit cards which normally means you have like 500 - 1000 max credit on any 1 of them. Those are the cards every Jack Shit gets. This means also those are the cards with the highest chargeback ratios and therefore those banks are most likly blacklisted.

In this case you can try as many as you want and you might be unlucky due to the bank blocks on many of those cards.

Here is an example what happenend to me once:

You type in all your info and do a typo in the Zip or some other mistake. You just go back and put in a new credit card and the typo stays in. All those cards would be declined and blacklisted.

Another reason can be cache. If you just go back and retype the CC# you can still be submitting old data.

psyko514 is right , I think the best is to have 2-4 credit cards. But then, with a good score you get phone calls every day from banks trying to "sell" you credit cards, making good business for them and lowering your score.

a couple weeks ago www.dollarmachine.com swiched processors from iBill to CCbill

well, i dont know what the fuck happened but after the switch my conversions WENT TO TOTAL SHIT


so i guess strainer has a poin

keep in mind the fact that CCBill doesn't make money by declining credit cards.

I'm sure they would love to accept it, but for some probably valid reason they declined it.

9 credit cards? holy shit

What the fuck is up with the $750 charge at CCbill? they doing that everywhere now?

9 credit cards are fucking a lot to get declined all.

That?s what I used to think too, until it actually happened to me. All I am saying is, since CCBill screwed me up big-time it?s happening to some of your other customers too.

Now as far as all you credit expert fuckers, as it happens I was in that business for years providing computer systems for credit collection.

While you are partly right, its a bit more complicated than that. The actual credit algorithms (including Experion (sic?) are pretty complicated and often proprietary. There is some wiggle room for rich bastards like me with 20 cards; otherwise Donald Trump couldn?t get a Visa.

In the 15 years or so I have had 20 cards, I have never been turned down for credit, refinance, mortgage, or anything. Yes, the 20 cards is probably a slight negative in the algorithm, but having perfect credit, no debt, and a house apparently is more important.

First thing on a Monday morning and someone is going to slam someone. The message boards are not the proper place to be calling a company "shit".

You do begin to understand how complicated credit card billing is? There must be two dozen things that can affect why your credit card is being declined. First is starting with YOUR bank; Perhaps CCBill has a high fraud rate with a certain bank so it's blocked them out. Also, if you have nine credit cards are you fucking sure that everyone of them have the correct address? Maybe it's the state you live - Did you ever consider that?

Bank of Nova Scotia is the one (Canadian) exception to that, they don't hold your available credit against you when you are looking for a loan/mortgage, they just look at what you owe at the time of application.

I tought this was the "Go Fuck Yourself" board, not the "Politically Correct Board" ....

If he thinks it is shit, he can say so and people can argue with him.

As much as I can say that Ibill are shit and crooks :BangBang:

This thread is fucking retarded. Rather than being a dim-wit, don't you think it's probable that there is some logical reason you were declined? Even if they were wrong in doing so, every system has statistical anomolies. You guys are so fucking immature and impatient sometimes, you need to take a more mythodical approach before you go making rediculous conclusions.

The fact that you didn't realize your IP address would have been banned after a couple attempts meants to me that you're not a scholar with the process.

Every week there is a stupid thread like this. Has it crossed anyone's mind that the 3rd party billers are all in business to approve transactions? You make it sound like they're the credit card Nazis that take pleasure out of declining transactions.

If they didn't approve the bulk of all transactions then they wouldn't be the most stable, revered and successful 3rd party billing company out there.

Why don't you just switch to IBill with your sites so you don't get paid. Even they won't approve every transaction but who knows they just might approve yours... good luck seeing your money from them though.

Brad

well said Brad
:thumbsup