"We'll just go ahead and cancel it for you. Expect a new card in the mail in a week or two."
"We'll just go ahead and cancel it for you. Expect a new card in the mail in a week or two."
28 评论
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Chase blocked my card when I was on vacation because they ... don't let you tell them you're on vacation anymore. They're like "nonono let us try to guess it's so much more fun for us"
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Same for Capital One, the card that people get because of no foreign transaction fees.
LIke they straight-up tell you "Oh there's no need for you to notify us of travel, your card will just work" and upon every use you get smacked with a 2FA verification that's tied to your local phone number, so you're basically screwed if you don't have service or service over WiFi.
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He should be at the register looking confused with a pissed off cashier and a line of people behind him. The fact he's carrying away his groceries in a bag means the card worked.
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This! And add in a parent who went with them to the store who's loudly making fun of the person shopping for it and the person shopping getting angrier and angrier while trying to hide it and be kind to the store employee....
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You can prevent this by giving us all your personal information, installing our apps, and let us text you a secret code every time you want to use your card.
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So funny story. I once went to the beach for the weekend, but my card was declined when I got to the hotel. When I called the bank on Monday, they told me it was because it was used in two different states in the same day. I’m like, “Yeah, I got gas when leaving home and drove to the hotel. You realize the two states are connected, right?!” Six months later, my card number was stolen from somewhere and was manually keyed in three times at Universal Studios for charges of a little over a grand on a Friday evening. When I discovered it and contacted the bank on Monday morning, they wanted to investigate. They said that, if the charges were indeed found to be fraudulent, they would return my money in 5-10 business days. I was irate. I told them, “I tried to use my card to pay for a hotel and you declined it to protect my money from ME. But when the bad guys ready did steal my info and are keying in numbers instead of using the actual card - not at all suspicious - for over $1000, your answer is ‘seems legit, here ya go.’ And when I report it, you look at me suspiciously and tell me that it’s going to be 1-2 weeks before I can even get my money back?!? I can assure you that as soon as you give me my money back, I will be withdrawing it and going to another bank.” And sadly I had been a customer with zero issues for almost 20 years at that point. Needless to say they got off their butt, called home office, and my money was back in my account before I walked out.
I try to spend my money, the bank: “Nope.”
Bad guys want to spend my money, the bank: “Carry on!”
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The system was never built to benefit us
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Something like this happened to me and I was beyond pissed, literally I would've had to sleep in my car if the hotel didn't let me pay later. It was in the same state too.
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Luckily my wife banks at a different bank, and we used her debit card.
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Me when I was in Poland buying water at Zabka which I told Presidents Choice MasterCard I'll be in Poland for a time span, and yet they still froze my entire account and cut off access for a month while their fraud team worked it out. This was my only source of payment while I was abroad (I've since corrected this).
Their apology was $25 in in-store points, I said "what the fuck??" They came back to me with "Great news! I've been given permission to give you $50 in in store credits!". To which I responded "get fucked" and cancelled my account.
I now roll with Simplii, Amex, and Wealthsimple and have had a much better experience. Although simplii has felt pretty barebones, I might change from them.
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My bank is very veery careful about that, in the sense of blocking basically all the online purchases I could make because of one compromised account like a decade ago. Except steam. We trust steam, I guess.
They also know I don't leave the state almost ever so I guess they'd shut that down as well. But I'd go to the bank and talk to the office people and they'd fix it before the trip.
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That’s interesting about Steam. Steam purchases used to flag my card so much, I ended up telling my bank, “If a purchase goes through Steam, IT’S ME. I don’t have kids, I don’t share my card with anyone. Just let the purchase through. It’s fine.”
I don’t know why Steam in particular kept setting off red flags for them, but damn it was frustrating that they’d lock my card every time I wanted a new game. I mean, I know I should probably not give in to the temptation so much, but my Steam library is bare bones compared to those of other people I know. I’m an adult and if I want to spend my money on games that make me happy, let me do that!
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My first bank would flag a transaction if I traveled 2-4 hours to the next city, because God forbid I take a damn road trip
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At this point my bank would probably do the same tbh. Mostly because 2-4 hours could get me into the next state, depending on direction lol.
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“Grocery store in Texas”
You can just say HEB . We all know it’s HEB.
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You don’t have Kroger anymore? We do up north now, so figured it was still down there.
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TBF, scammers are legit getting scary effective with AI tools. Banks are going to get way more paranoid by necessity.
Ain't life grand?
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Ed Bollion tells a funny story where during his cannonball run, his credit card was declined because he was moving too quickly between gas stations, since he was averaging like 100+mph or something like that.
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Even in a small geographical area, I'd imagine getting pre-auths for tanks of gas multiple times per day would trigger some kind of unusual activity flag.
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TIL there is only one grocery store in Texas.
28 评论
This happened to me just last week! I just got a new apartment and had just paid my first month’s rent and my security deposit. Then the next day, I went to get some supplies for my new place. Card declined.
Tried again. Card declined.
Called the number on my card. It was “after hours” and the person picking up the phone couldn’t do a damn thing for me. They suggested I’d hit a “spending limit,” but they couldn’t tell me for certain, couldn’t tell me how much that limit was, and couldn’t make my card usable again. Absolutely pointless, why even answer the phone?
Moments after, I got a call from the automated “fraud alert” service. But it was useless too, as it glitched out (made an annoying sound and didn’t respond to anything I said), then hung up on me.
Thank goodness, I was able to simply call that fraud alert number back, verify recent transactions, and my card became usable again. (I was worried it’d be one of those lines that calls you, but that you can’t call back.)
I get that my credit union is trying to protect me, but damn. At least make it so the people answering the number on the card can DO something to help!