- Jul 23, 2009
- Washington State
I mainly pre cleared it because I wasn't sure how well FNBO would handle it. With BoA the transactions always were declined but also got an immediate text "Did you authorize a transaction for $x from VIA. Reply 'YES' or 'NO'". I replied yes and then immediately got a text to resubmit the transaction. It only took seconds. The longest part was getting transferred back to the automated credit card acceptance system VIA agents use. They don't handle credit cards themselves. I didn't whether FNBO's systems were as smooth as BoA's and I knew I couldn't keep VIA on hold while I navigated through wait queue for humans if FNBO needed that. So I took proactive action.I appreciate the data point, but having to call to preclear is not much different than having to call to post clear. At least with a post clear... there is always a chance it will have cleared.