I flew once; I paid twice

Question: I would love to have your help with getting a refund on a one-way ticket I purchased from South African Airlines. This was for a flight from Lusaka to Cape Town, with a connecting stop in Johannesburg, South Africa, which was part of a once-in-a-lifetime trip to visit my sister living in Lusaka.

When my flight from Lusaka arrived in Johannesburg, South Africa, I was forced to buy a new ticket to continue on to Cape Town. This was required because I could not provide the credit card I used to purchase the original ticket, which South African Airlines uses for identification. (I always travel with a different card, which has no fee on international transactions.)

The airline would not accept my passport, driver’s license, or other credit card as valid identification. However, they did accept my other credit card to purchase a new ticket.

After two months of emails, meetings and phone calls with customer service and refund departments in Cape Town and Fort Lauderdale, Fla., I received a partial refund of the taxes on the original ticket. I know life isn’t fair, yet I feel I should be refunded one of the two tickets I purchased. I only flew once; I paid twice! — Jennifer Alpaugh, Pacifica, Calif.

Answer: You’re right; life isn’t fair. But you still shouldn’t have to pay twice for the same ticket. The South African Airways site is clear about its policy: If you’re flying with an electronic ticket, “all you have to do is present an I.D. document and credit card (for authentication purposes) to the check-in agent and you will be issued with the normal boarding pass.”

You can read the entire rule on SAA’s website.

The question is: Was this requirement adequately disclosed? Based on your complaint, I would say not. It’s possible the airline included this requirement in the fine print of your reservation, but was it conspicuous enough? (By the way, SAA isn’t the only airline to have this policy, which is a precaution against ticket fraud. But the domestic carriers who used to do it have discontinued this rule, possibly because of complaints like yours.)

Traveling with a credit card that charges no foreign transaction fees is a terrific idea, but next time, you might want to take the other card with you — even if you don’t plan to use it. You never know when your card might stop working (it happens) or get stolen. You’ll be grateful for a backup, even if you have to pay those unconscionable foreign transaction fees.

It’s not entirely clear to me why SAA would only refund the taxes on one of your tickets. Obviously, you’re the same person, so you were essentially double-booked. The policy on the airline’s website says nothing about refunds when you can’t show a credit card, but it also doesn’t say anything about getting no refunds, either, as far as I can tell.

I got in touch with SAA on your behalf. A representative contacted you immediately by e-mail and apologized for the delay in refunding your money. “Our refund staff is instructed to look at each situation on an individual basis,” a representative told you. “When it appears the passenger has made an honest mistake, we are to provide the passenger with a full refund.”

The airline blamed the partial refund on “an oversight” and refunded the balance of your ticket back to your credit card.

  • Brian\PVD

    Thanks for exposing this. I remember when Used to happen in the early days of eticketing. It doesn’t make much sense–what do they do when an airline ticket is purchased by someone else as a gift? How about if they use a temporary number to avoid Internet fraud?

  • http://www.bangaloreaviation.com Devesh Agarwal

    The requirement to present the same credit as used for the booking is widely prevalent across many countries due to the high incidents of credit card fraud.

    This is especially true in “domestic” or short international sectors.

    One step further, if the credit card used is not belonging to one of the passengers on the PNR, then the actual traveller must have a photocopy of the credit card front and back (CVV number should be blacked out), on which the card holder must sign AND give permission to use.

    Travellers will find this typically implemented in BASIC countries. (Brazil, South Africa, India, China) where court laws may not be as flexible or modern/mature as those in the US.

    I would caution visitors that all airlines in India are quite strict about this rule, and I personally know where IndiGo has even required friends/relatives of airline personnel to re-purchase tickets since the card holder was not travelling nor was a photocopy presented.

  • Leland Ensor

    The airlines brought this situation on themselves by going to the internet and cutting out travel agents, now they cry because there is a drawback to their greed, so, rather than implement their own internal security, they make it difficult for their clients. True arrogance on the part of an oligopoly that always blames someone else for their woes — government regulations, airport fees, fuel, air traffic control constraints — but never their own shortcomings. Mamby-pamby cry babies all of them.

  • http://waynedayton.tripod.com Wayne Dayton

    Hmmmm….they ask for A credit card to be shown for authentication purposes….not THE credit card used for the purchase. If their 6-figure lawyers couldn’t word the restrictive phrases better than that, I would take SA to Small Claims Court and demand a minimum $5000 for the inconvenience. This will teach them to actually READ and to EDIT their website before they have the audacity to act in such a callous and sanctimonius fashion. Then, they should fire their webmaster and General Counsel for good measure, since this type of wording error is so basic that a high school student would have known how to do it.

  • Mike Z

    I’m sorry, but even the airline’s own website says that only a CC must be presented for ID, not the actual one used. She should have never been forced to purchase the new ticket. Also, the fact that her passport AND other credit card showed her name and at least one photo, how could they NOT know the traveler was who they claimed? The CC was billed in her name and now she provides photo ID. What more does someone need?

    At least places like Best Buy who allow you to pick up on line orders in store require the same credit card as they run the card to complete the transaction. they give ou that info in bold letters, up front.

  • http://www.very-simple.com sam

    I can’t even imagine how frustrating this would have been, had I encountered this policy back when I was traveling for work all the time – all of my airplane tickets were booked through my firm’s travel office, on the firm’s credit card. Most were e-tickets.

  • Robert Davis

    I love this “honest mistake” excuse. I’m dead sure it’s policy to hold off on refunds hoping the customer just gives up.

  • Monica

    @Wayne you took the words out of my mouth. The policy says “a” credit card, not “the” credit card.

    I ran into this a few years back. I used a company credit card (one used for all office personnel) to buy a ticket, but only carried my personal card to the airport to pick up the ticket. I didn’t have problems because the only thing it was doing was matching names, name to ticket, which makes sense.

  • Carver

    @Leland

    It amazes me that there is a sector that believe that unless travel agents are involved in all aspects of travel we usher in the apocalypse.

    This knee jerk response does travel agents a huge disservice as there are legit places for travel agents in this internet world. But nonsensical statements make travelers wonder if travel agents really provide value or are crying wolf to protect their vanishing turlf

    Besides, what’s the difference between booking over the internet or calling a travel agent and having them book it over the phone. In either case, the airline hasn’t seen/swiped the credit card.

  • BillC

    I always buy my son a ticket to fly home from South Korea where he is teaching and he has never been asked for a CC when checking in. I thinkl that I have only been asked once for my CC when travelling.

  • Vicki

    I always make note of the credit card I used to purchase any travel arrangements- air, car, hotel- and carry that one with me just in case a refund is due or any problems arise during the trip. Something I learned the hard way many years ago!

  • http://waynedayton.tripod.com Wayne Dayton

    Hey Carver, Bisignani sends you his regards as you are in the running for 2011′s Airline Apologist of the Year. Airlines would hold the travel agency responsible for the verification of the purchaser, and would not be harassing the passenger at the counter, that’s why. But, DIY, you get to take on ALL the responsibility personally….including having to write Chris and get him to fight the battle that wouldn’t even have happened in the pre-web age.

  • BucksterSF

    “Airlines would hold the travel agency responsible for the verification …”

    Not really sure where that’s coming from. I’ve never seen an airline subrogate their T&Cs or policies to anyone. if that was SAA’s policy then it wouldn’t have mattered where or how the ticket was purchased. Moreover, if the agent was informed of this they would simply reply, “That’s the airline’s policy what do you want me to do about it?”

    Because really, what would you want them to do? They have no leverage post-purchase. That is why agencies went the way of the buggy whip. People got tired of paying for nothing more than a Sabre typist.

  • BucksterSF

    I’ve been asked for my original credit card when picking up merchandise or getting my boarding pass often enough that I always make sure I have it. It’s just something people should do.

    And I’m curious – if you use a certain credit card to travel with why not buy the tickets with that one as well?

  • Mike

    “A” card, “the” card…anyone with any common sense should know “the” card is what they want. What good would “a” card do?

    When you buy an online movie ticket you have to swipe THE card when you pick up your ticket at the theater. When you rent at RedBox online you have to swipe THE card when you pick up your movie. That 15 or 16 digit number is what identifies you, not your name.

    They should not have refunded anything.

  • Josh

    This seems pretty clear cut to me; the disclosure was at best misleading and incorrect. The link in the story returns a 404, and adding an “s” to “policies” gives a screen that doesn’t appear to mention anything about showing a credit card. Perhaps they took it down already to fix? If the original text indeed said “a credit card” and not “the credit card used for the booking”, SAA has no leg to stand on. And even if it was clear in the T&C, why wasn’t this in the even more obvious “Essential Check-in information” list?

    For many airlines today (domestic US at least), you can use any credit card to check in at a kiosk, as they’re just keying off the name. Or you can type the confirmation code, etc.

    The only question in my mind would have been which credit card company to dispute the charge with; probably the original ticket that SAA illegally refused to honor, but if the replacement ticket cost more I might have disputed that one first.

  • Mark K

    I have seen the CC requirement a lot on tickets when I travel in Europe but have never actually been asked for anything other than my passport. After reading this, I guess I should never leave home without it. But that still doesn’t help when travelling on business when the corporate account was charged for the ticket.

    In answer to the question of why someone would use a different CC to buy a ticket than when traveling, there are many reasons. The prime reason for me is that the card I buy my tickets with gives me miles or points in the frequent flyer program of my choise (and discounts with my airline of choice) but unfortunately has huge fees for use outside of the US. And, except for things like air travel or hotels, I almost always pay cash when travelling outside of the US so don’t think much about the CC except in chosing one that does not fee me to death.

  • Joel Wechsler

    @BucksterSF given that about 50% of airline tickets are sold by travel agents it would be hard to make a case that they have gone the way of the buggy whip. Also, when agents sell tickets, they are presumed by the airlines to have a signature on file which thereby legitimizes the transaction. If you purchase on the SAA website there is no such verification so @Wayne Dayton is correct. If a ticket sold by a travel agent turns out to have been fraudulently obtained, the agent is responsible. If the same ticket is sold by SAA then the airline bears the responsibility. Whether or not the card has been seen by either the agent or the airline is not the point but is the reason that airlines may ask to see the card used for purchase.

  • Belur

    What happens when you are invited by an international organization that has bought your international ticket with their credit? No earthly way to show the CC.

  • Ed

    Ha right…an “Oversight”
    Funny how “oversights” always happen to work out in the airline’s favor…

  • Carver

    @Wayne

    I realize that when people have little of meaning to say they resort to ad hominem attacks. Your response was devoid of facts, logic, or sense.

    @Joel

    Signatures on files isn’t what legitimizes a credit card transaction its the swipe. Thus, unless most purchasers are physically walking into the travel agents office the original question remains. How does using a travel agent resolve this issue of needing to bring a credit card.

    True 50 percent of tickets are sold by travel agencies. I suspect though that if we broke it down it would be primarily the province of government or large business travel that makes up those numbers, i.e. a select few. I would be interested to know what percentage of leisure travel is sold by travel agents

  • BucksterSF

    @Joel – I am curious where you got your statistic of 50%. I know of zero of my friends that still use a travel agent for anything but the most complicated global travel.

    Unless you are including the large travel services that corporations require their employees to use. Like my company offers, but does not require you to use, Axiom from American Express. I’ll bet those services sell a good percetage fo the air travel in this country.

    Those providers I don’t really count as a “travel agent.” In fact I can find using Google less than a dozen travel agenies listed in the city of San Francisco – not a small town or foreign to travel lovers.

  • Whatup

    SAA asks this of me every time and it is only by luck that i happen to have. When my travel agent has booked, it has always been dramatic. You have to understand, SAA is one of the worst airlines in the world. And it is not because they are an African airline, it is because their staff HATE their jobs. When you step on a SAA flight, it is like you are doing them a major favour. Sometimes when landing at IAD (after a shlep from JNB through DKR) I have the joy of sharing the bus with the crew to the main terminal. They gossip about the passengers IN FRONT of the passengers.

    I try to use Delta as much as I can and fly though ATL to JNB, but sometimes just use them and always leave that plane regretting it.

  • Whatup

    Also, SAA doesnt allow you to book bulkheads until the day of departure saying that it is for safety reasons that the law states that they need to physically assess you before giving this seat. Yet magically, 24 hours before departure on EVERY flight i have ever taken with them (30+ times), these seats are always gone (row 62, 74d, etc). and I am Star alliance gold (Co plat). Being Diamond on Delta, this has NEVER happened.

  • Thomas

    @ Whatup

    I’m with you. Delat only, and now that SAA has stopped flying out of ATL, it’s a no-brainer!

  • KennyS

    They blamed it on the passenger, not an oversight:
    “When it appears the passenger has made an honest mistake, we are to provide the passenger with a full refund.”

  • Bill

    The airline should be ordered to pay for the inconvenience too. What a lot of effort over a stupid thing.

  • ARS

    We ran almost into the same issue last Christmas with United in the US. We booked with our CC a roundtrip ticket for our daughter who was away to college in California. On the confirmation (but nowhere earlier it said that she was required to show the CC used for booking). I called United and insisted that they removed this as she obviously did not book the ticket (as the billing address was in our name). This requirement does not make any sense and after going for and backward they finally removed this from her booking, otherwise they could have denied her boarding. Chris, do you know where this requirement comes from. The United agent briefly insisted that the Federal Government made them do this.

  • Christopher Elliott

    @ARS, it isn’t a government requirement. I’ve run into this with United before, but a long time ago. I thought they stopped doing it.

  • Jesse

    “When it appears the passenger has made an honest mistake, we are to provide the passenger with a full refund.”

    Small little issue I have with that as SAA is blaming the customer for lack of adherence to the rules; however the customer was able to fly the first leg of the trip (I am unsure if it was with the same carrier).

    Learning opportunity for all of us, good outcome for the customer, unsure if she is going to be flying again with SAA based on this experience–I would try to avoid SAA!

  • Thomas

    @ Chris

    Glad to hear you were able to resolve this.

  • Scott

    Chris,

    You are incorrect. United’s fraud policy is alive and well, as anyone knows, credit card fraud is rampant and getting worse.

    All the travel agent stuff back and forth though is missing the point.

    Whoever is making the SALE is required to verify the purchaser is who they say they are. If you buy a ticket through an agent, the TA is responsible for the validity of the purchase, not the airline.

    When you purchase a ticket from an airline on the internet or over the phone, you are required to bring the credit card used for purchase. This instruction is clearly printed on the confirmation. If the purchaser is not traveling, then the purchaser may present the card to the airline (in person) and the fraud prompt is then removed.

    When someone shows up without the appropriate credit card, the original ticket is refunded to the original card, and a replacement ticket is charged at the same price to a card in the traveler’s possession. But don’t be running late and expect to make your flight!

  • Carver

    @Scott

    Where are getting this? Are you just copying the website or has this actually happened to you? Your statement seems contrary to the experiences of most here. I’ve purchased tickets (admittedly not on United) on the internet for both domestic and international travel and I have yet to be asked for a credit card.

    In fact 99% of my tickets are purchased on the internet

  • Mark K

    @Scott

    I fly at least once a week. All of my tickets are purchased online at the airline web sites. I have NEVER been asked to show a credit card on any airline anywhere in the world even though I have seen the note on many of my tickets that the CC was required to be shown. Maybe I am just lucky? But I do have the CC on file on the airline web sites. Maybe that is what constitutes “verification” since I have used that card many time to buy tickets?

    I do agree with you that fraud is an ever increasing issue for the CC issuers and I believe something must be done to reduce it. But I feel that air tickets would be one of the lowest fraud areas since your ID does require to be verified and the name on your ID must match what is on the ticket.

    As far as being “required” to verify the purchaser by running the card through a reader, the only thing this does for the seller is get them a lower fee from the CC issuer at the time of purchase and additional protection from chargebacks if the transaction is found to be fraudulent. Since the ticket was sold days, weeks or even months before and the funds have already been payed to the airline, there is no benefit to them seeing the card at the airport. Also, what happens if you get a replacement card between the time you bought the ticket and when you fly? While the card number is the same, the expire date and the extra number printed on the back of the card changed so technically (and physically) it is not the same card. Of course, any company accepting a CC for payment is free to go to whatever level of verification they want that makes sense for them. However, there are millions of purchases completed every day where the seller never sees the CC or the customer and those are approved and the items delivered without issue.

  • Joel Wechsler

    @Carver Clearly you fail to understand the nature of a sale of airlione tickets by a travel agency. There is no “swipe” as the agent is not the one processing the credit card. The card number is entered into the agent’s reservation system and the sale is made by the airline which charges the traveler’s credit card. The travel agent is presumed by the airlines to know the individual and whether the card is valid. If the transaction turns out to be fraudulent, the onus is on the agent.
    @BucksterSF If you check the Yellow Pages for San Francisco you will find literally hundreds of agencies, not the dozen or so you turned up in Google.

  • http://www.thetravelinggiraffe.com Crissy

    There are so many issues with this type of policy – business travelers, having someone else pay for your ticket, canceling a CC. I’m glad you intervienved in this case and glad it worked out.

  • DAN

    What are they talking about “the passenger made an honest mistake”? The passenger didn’t make any mistake that I can see. She followed the letter of the contract exactly.

    It does appear to be an honest mistake on the part of the airline, however.

  • Guest

    Maybe it was common sense, but SAA still shows no mercy. “The” card I purchased my ticket on was stolen from me in Cape Town. I was forced to purchase another ticket or would not have been allowed on the flight. That’s all fine and good except I’m a college student with no other credit card and no, I’m not lucky enough to have those kinds of parents that give the “emergency credit card” when traveling. Luckily my friend was able to purchase the ticket for me. I don’t know what else I would have done if they had not been there. SAA asked me to call the bank. With what money? I couldn’t even get a taxi to the American embassy if I had to because I literally had no other form of money.

    If that wasn’t enough, almost 4 months later I haven’t seen my refund. I would like to see you write that comment if you were in a similar situation.