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I&M Credit Card Services stink
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Sarrouniya
#1 Posted : Tuesday, August 28, 2012 7:12:41 PM
Rank: Member


Joined: 7/31/2008
Posts: 163
Location: Nirvana
A disgruntled customer here. Needed to make an online purchase higher than my credit limit n was advised to pay cash to top up which I did on Sat. Tried to make my purchase at 10am but received a call to do so at 4pm. I attempted again Sun morning and all seemed ok till jana when amazon kwamishad my purchase... I visited I&M just to be informed my deposit has not reflected and will not until next month!! How now??? My mind has refused to process any explanation and I just don't get it! Now am stuck with a blocked amazon account (they probably think I was trying to be funny). And money on my credit card account which am not even sure I can withdraw kwa ATM. And of course bila the stuff I needed. Nkt!
An old analysis of Barclaycard on SK made me opt for I&M... Now am lost. Potential credit card holders...beware!
|The Universe will correspond to the nature of your song ...
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Querry
#2 Posted : Tuesday, August 28, 2012 8:32:01 PM
Rank: Member


Joined: 1/22/2011
Posts: 193
Location: nairobi
Pole, try KCB prepaid cards. Load via MPESA or the branch n the card Will work perfectly.
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bird_man
#3 Posted : Tuesday, August 28, 2012 8:50:10 PM
Rank: Veteran


Joined: 11/2/2006
Posts: 1,206
Location: Nairobi
I'm using the card. I usually load via PayBill & so far so good.....well only that they sometimes charge a little higher on the dollar rate!
I think you should change the way you load the card.
Formally employed people often live their employers' dream & forget about their own.
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deadpoet
#4 Posted : Wednesday, August 29, 2012 7:18:44 AM
Rank: Member


Joined: 9/27/2006
Posts: 503
Anyone else who has had a problem? I was actually thinking of applying for the I&M card next week...
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Ash Ock
#5 Posted : Wednesday, August 29, 2012 8:50:50 AM
Rank: Member


Joined: 8/27/2010
Posts: 495
Location: Nairobi
I’ve been using the I&M USD prepaid card since the beginning of the year and have had no problems whatsoever purchasing from EBAY, Amazon, fueling and shopping in The Netherlands, Belgium, Germany, and a couple of times at Nakumatt. The only problem I have with the card is the EURO / Dollar exchange rate which is tad outrageous but the safety sort of negates it all (I was a victim whereby my BBK credit card was cloned and used all over Nairobi / Johannesburg buying various stuff until my credit limit was reached. Spent a few tense days with BBK fraud officers and happily, BBK didn’t take long to sort out the mess and let me off the hook). Needless to say, I threw the card as far as I could and went prepaid, just to avoid future headaches.
Sent from my Black Nokia 3310
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smallfama
#6 Posted : Wednesday, August 29, 2012 8:52:19 AM
Rank: New-farer


Joined: 8/15/2010
Posts: 99
Location: nairobi
Been with CBA credit card for 3 yrs. No pain so far. The card centre support team is great and you get an SMS alert on every transaction.
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bird_man
#7 Posted : Wednesday, August 29, 2012 9:07:44 AM
Rank: Veteran


Joined: 11/2/2006
Posts: 1,206
Location: Nairobi
For greater security against card fraud I'd recommend a DEBIT card not attached to your bank account.
That way even if it was cloned....they will steal only what's actually in you card's credit & not the thousands/millions in your bank account.
Formally employed people often live their employers' dream & forget about their own.
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chiaroscuro
#8 Posted : Thursday, August 30, 2012 9:46:59 AM
Rank: Veteran


Joined: 2/2/2012
Posts: 1,134
Location: Nairobi
Sarrouniya wrote:
A disgruntled customer here. Needed to make an online purchase higher than my credit limit n was advised to pay cash to top up which I did on Sat. Tried to make my purchase at 10am but received a call to do so at 4pm. I attempted again Sun morning and all seemed ok till jana when amazon kwamishad my purchase... I visited I&M just to be informed my deposit has not reflected and will not until next month!! How now??? My mind has refused to process any explanation and I just don't get it! Now am stuck with a blocked amazon account (they probably think I was trying to be funny). And money on my credit card account which am not even sure I can withdraw kwa ATM. And of course bila the stuff I needed. Nkt!
An old analysis of Barclaycard on SK made me opt for I&M... Now am lost. Potential credit card holders...beware!


Did you call them or did they notice you're trying to make a purchase and called you?

If the latter, then I think they are commendable, despite not crediting your account on time.
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Sarrouniya
#9 Posted : Saturday, September 01, 2012 1:49:32 PM
Rank: Member


Joined: 7/31/2008
Posts: 163
Location: Nirvana
chiaroscuro wrote:
Sarrouniya wrote:
A disgruntled customer here. Needed to make an online purchase higher than my credit limit n was advised to pay cash to top up which I did on Sat. Tried to make my purchase at 10am but received a call to do so at 4pm. I attempted again Sun morning and all seemed ok till jana when amazon kwamishad my purchase... I visited I&M just to be informed my deposit has not reflected and will not until next month!! How now??? My mind has refused to process any explanation and I just don't get it! Now am stuck with a blocked amazon account (they probably think I was trying to be funny). And money on my credit card account which am not even sure I can withdraw kwa ATM. And of course bila the stuff I needed. Nkt!
An old analysis of Barclaycard on SK made me opt for I&M... Now am lost. Potential credit card holders...beware!


Did you call them or did they notice you're trying to make a purchase and called you?

If the latter, then I think they are commendable, despite not crediting your account on time.


They called me on noticing activity on my account. I gave up on my purchase though.
|The Universe will correspond to the nature of your song ...
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chiaroscuro
#10 Posted : Sunday, September 02, 2012 6:35:46 PM
Rank: Veteran


Joined: 2/2/2012
Posts: 1,134
Location: Nairobi
Sarrouniya wrote:
chiaroscuro wrote:
Sarrouniya wrote:
A disgruntled customer here. Needed to make an online purchase higher than my credit limit n was advised to pay cash to top up which I did on Sat. Tried to make my purchase at 10am but received a call to do so at 4pm. I attempted again Sun morning and all seemed ok till jana when amazon kwamishad my purchase... I visited I&M just to be informed my deposit has not reflected and will not until next month!! How now??? My mind has refused to process any explanation and I just don't get it! Now am stuck with a blocked amazon account (they probably think I was trying to be funny). And money on my credit card account which am not even sure I can withdraw kwa ATM. And of course bila the stuff I needed. Nkt!
An old analysis of Barclaycard on SK made me opt for I&M... Now am lost. Potential credit card holders...beware!


Did you call them or did they notice you're trying to make a purchase and called you?

If the latter, then I think they are commendable, despite not crediting your account on time.


They called me on noticing activity on my account. I gave up on my purchase though.


Then in that case I'd say you cut them some slack. Other banks will simply wait until you complain in the newspapers!
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mukiha
#11 Posted : Monday, September 03, 2012 4:01:47 PM
Rank: Elder


Joined: 6/27/2008
Posts: 4,114
Sarrouniya wrote:
chiaroscuro wrote:
Sarrouniya wrote:
A disgruntled customer here. Needed to make an online purchase higher than my credit limit n was advised to pay cash to top up which I did on Sat. Tried to make my purchase at 10am but received a call to do so at 4pm. I attempted again Sun morning and all seemed ok till jana when amazon kwamishad my purchase... I visited I&M just to be informed my deposit has not reflected and will not until next month!! How now??? My mind has refused to process any explanation and I just don't get it! Now am stuck with a blocked amazon account (they probably think I was trying to be funny). And money on my credit card account which am not even sure I can withdraw kwa ATM. And of course bila the stuff I needed. Nkt!
An old analysis of Barclaycard on SK made me opt for I&M... Now am lost. Potential credit card holders...beware!


Did you call them or did they notice you're trying to make a purchase and called you?

If the latter, then I think they are commendable, despite not crediting your account on time.


They called me on noticing activity on my account. I gave up on my purchase though.


Yeah; that sounds like I&M....
Nothing is real unless it can be named; nothing has value unless it can be sold; money is worthless unless you spend it.
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tassia
#12 Posted : Wednesday, October 03, 2012 8:00:11 PM
Rank: Member


Joined: 4/25/2011
Posts: 368
Location: Nairobi
This card and the bank stinks. I deposited USD 800 to the prepaid card yesterday and they did not load. I was to pay for services which were to help me earn some income. I have made several calls from jana and that call centre is full of a bunch of liars. They are yet to credit my account 2 days after I made the deposit. I am storming the bank first thing tomorrow morning to ask for my refund and to terminate any relationship with these liars.
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washiku
#13 Posted : Saturday, February 28, 2015 12:15:46 AM
Rank: Chief


Joined: 5/9/2007
Posts: 13,095
Chase Bank Prepaid cards. Any time. Dollar one especially. You can even load via Mpesa!!!
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