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

good morning all


strainer, as it has been stated above, we are not in business to decline transactions. The revenue lost from a failed transaction aside, declines take money directly out of our pockets. For obvious reasons, it is in everyone?s best interest to approve good transactions.

Off of the top of my head, I can think of several reasons why this might have happened, some of which have been mentioned above. After a few legitimate declines, it wouldn?t matter if you had a thousand cards that you subsequently tried to use to sign up.

But we are just talking here?if you are concerned about the reason(s) for the decline, we do have the tools to find them out. ICQ me and I will see what happened with the transaction. I will tell you what I can about it.

If you really want to find out what happened, let?s find out. We can speculate all day long on message boards, but it?s not hard to find the reason?let?s have it checked out.

45471840
Give me about 20 minutes before you icq me, leaving to go to work now?

All the processors have different scrubbing algorithms, the merchant you were buying an ad from with ccbill may have had a higher CB ratio and therefore a high scrub. It could happen anywhere. There are cards that will be rejected with only one of the processors. I'm sure ccbill on average is pretty good. As far as the Ibill comment goes, for me Ibill is great, I don't see any issues with them.

On the credit card thing, my credit score went up when I got rid of half my credit cards. Now I only have 4 credit cards, I used to have like 12. My score was 827 (super high), until I recently did some refis and financed some other investment properties. They always list "too much credit" as a neg. factor on my reports. The key to good credit is to signup for those credit watch services, they report anything that shows up on your credit.

Ok, well I appreciate the offer but its sorta a moot point now. I PayPal'ed the guy.

Yes, of course I know after a couple declined cards it wasn't going to go through, but I was pissed off at the time and it was almost like a challenge.

I know I didn't do anything wrong. Good cvns, addresses, etc. I've used two of those cards on the web this morning - one at TigerDirect.com and one with a test signup on my own (Globill) site.

And you've heard similar comments from many on this board who can't signup at their own sites, so I would say it is a fair statement that the scrub logic could use a little work.

I appreciate the response and I will try to edit the name of the thread to something a little more pc (if possible, don't recall if I can) but people take a dump on Ibill all the time even though the great majority of their customers including some very large ones like you-know-who are very satisfied.

All I am saying is, if I can't get a good card through your signup screen, some surfer's can't too, and now that I have experienced that frustration firsthand I'll be less likely to dismiss it outright when I hear about it.

PS: Tried to edit that first post to change the subject line to "CcBill Declined me" :thumbsup but my 60 minutes had obviously passed. If some higher power would change it I wouldn't complain.

Thanks,

ST

CCBILL sucks ass, doesn't pay :(

now why would you say that? If you are having a payment issue, let me know what it is and i will get it looked at.

[email protected] or the icq # above

There can be only one
EPOCH rules

:thumbsup :thumbsup :thumbsup

Strainer, if you change your mind and would like to find the actual reason that your card was declined, let me know so that I can have it checked out for you?I am actually very curious myself.

Sometimes I shake my head at my fellow webmasters' lack of class and grace.

I've never heard of CCBill not paying, ever. I've always been paid on time, every time. I even had one check get lost in a mail sorting machine somewhere and they promptly re-issued a check which arrived about the same time as the original. I cashed the new one and destroyed the old one. Since then I've moved to wires and they come in like clock work.

As for the scrubbing algorythm... My decline rate with CCBill is about 14%. That is at or better than industry average (see the thread back in December where many webmasters compared decline rates from various companies). 14% is nothing - not even enough for me to give it any thought whatsoever - it's just weeding out the guys who can't spell their name or are likely to be nothing but trouble.

CCBill is not perfect, but they are top-notch in my books.

Yes indeed, this is the Go Fuck Yourself board. But there is a difference between slamming one person who's being an asshole and slamming a company without reason.

All of the credit card processors are in the business to make money and the best way to do that is to accept as many credit cards as possible. Some companies allow more; But I'm sure those companies have much higher charge back rates.

if you don't miss payments its spotless.