Crdit Card got a block on it

[Adrenaline]

I have a negative balance (was about 2700) due to returning something and have been charging new things on it. I had charged so many things, this morning was a 142.02 at performance pcs then I tried to get something from zipzoomfly for 498.13 and *BAM* declined. I was a little mad so I called B of A and was talking to this CSR and she asked me a trick question and was about to cancel my card unless I went into a local branch with:

My card
Photo ID
Electric bill

I was livid and went off on the person.

I got everything situated now because it took me a second to get the trick question. Here it is:

On april 11, 2006 you made a purchase for $1.00 what was it?

Nothing is there for that date for $1.00 then I am looking and see a Gasoline purchase ($36.00) and car wash (7.00) at the same place, it then clicked.

For anyone who doesnt know this, this will help you out, whenever you make a gasoline purcahse on a credit card (at any gas station from my understanding) they put a $1.00 charge (hold basically) on your credit card until the charge goes through for the full amount. So the $1.00 charge the lady asked me about was actually the beginning of the $36.00 gas charge on the credit card.

She tried her hardest to trick me, which really pissed me off even more.

 

[sygyzy]

The nerve of the woman. I am glad you put her in her place!

 

[Lonyo]

You got everything situated?

 

[Adrenaline]

Yeah. She didnt wind up cancelling my card and it is reactivated for use.

 

[DainBramaged]

Why do you think that this was a trick question?

 

[imported_Aelius]

A very long time ago when I first made my first big purchase with my credit card for its full amount of nearly $500 (was buying DVDs) I got a call within five minutes from VISA security. They had me do a full security check and they asked me some questions and just generally wanted to make sure it was a legit purchase made on my card.

It was cool but never happend again. I guess I make so many huge purchases around that or half that amount that it doesn't raise any red flags.

 

[DainBramaged]

Originally posted by: Aelius
A very long time ago when I first made my first big purchase with my credit card for its full amount of nearly $500 (was buying DVDs) I got a call within five minutes from VISA security. They had me do a full security check and they asked me some questions and just generally wanted to make sure it was a legit purchase made on my card.

It was cool but never happend again. I guess I make so many huge purchases around that or half that ammount that it doesn't raise any red flags.

$500 is considered a huge purchase? LMAO

 

[rezinn]

Yeah, it wasnt a trick question.

 

[imported_Aelius]

Originally posted by: DainBramaged

Originally posted by: Aelius
A very long time ago when I first made my first big purchase with my credit card for its full amount of nearly $500 (was buying DVDs) I got a call within five minutes from VISA security. They had me do a full security check and they asked me some questions and just generally wanted to make sure it was a legit purchase made on my card.

It was cool but never happend again. I guess I make so many huge purchases around that or half that ammount that it doesn't raise any red flags.

$500 is considered a huge purchase? LMAO

No.

There are red flags and under certain conditions, if you meet those conditions, the red flag is raised. In my case I was hitting almost the max on my card from 0. I think max was $600.

 

[DainBramaged]

Originally posted by: Aelius

Originally posted by: DainBramaged

Originally posted by: Aelius
A very long time ago when I first made my first big purchase with my credit card for its full amount of nearly $500 (was buying DVDs) I got a call within five minutes from VISA security. They had me do a full security check and they asked me some questions and just generally wanted to make sure it was a legit purchase made on my card.

It was cool but never happend again. I guess I make so many huge purchases around that or half that ammount that it doesn't raise any red flags.

$500 is considered a huge purchase? LMAO

No.

There are red flags and under certain conditions, if you meet those conditions, the red flag is raised. In my case I was hitting almost the max on my card from 0. I think max was $600.

I fully understand what a "flag" is; however, I just found it funny that you said that you considered a huge purchase to be around $500.

 

[imported_Aelius]

Originally posted by: DainBramaged

Originally posted by: Aelius

Originally posted by: DainBramaged

Originally posted by: Aelius
A very long time ago when I first made my first big purchase with my credit card for its full amount of nearly $500 (was buying DVDs) I got a call within five minutes from VISA security. They had me do a full security check and they asked me some questions and just generally wanted to make sure it was a legit purchase made on my card.

It was cool but never happend again. I guess I make so many huge purchases around that or half that ammount that it doesn't raise any red flags.

$500 is considered a huge purchase? LMAO

No.

There are red flags and under certain conditions, if you meet those conditions, the red flag is raised. In my case I was hitting almost the max on my card from 0. I think max was $600.

I fully understand what a "flag" is; however, I just found it funny that you said that you considered a huge purchase to be around $500.

On my salary $500 is massive. That's 3/4 of a paycheque in Canadian Dollars.

Of course if I get hired where I work in about 6 weeks it will only be about 1/3 of my paycheque.

 

[KarenMarie]

OMG! How dare the credit card companies wanting to check out out of the ordinary activity!!!

 

[Adrenaline]

Originally posted by: DainBramaged
Why do you think that this was a trick question?

She had asked about several other transactions to the penny then she asks about a $1.00 transaction that does not show up to the consumer on their statement, only the bank itself. The majority of consumers are unaware of the $1.00 hold on their credit card, which looks like a charge to the bank, which is refunded I believe and then the full amount goes through, which was $36.00 in this case.

Since I couldnt answer the question at first she was about to cancel the card.

 

[Adrenaline]

Originally posted by: KarenMarie
OMG! How dare the credit card companies wanting to check out out of the ordinary activity!!!

How dare them considering they flagged a $142.02 charge and I see about 10 ther charges in the past two months that are far more than that which werent flagged.

 

[OVERKILL]

Originally posted by: DainBramaged

Originally posted by: Aelius
A very long time ago when I first made my first big purchase with my credit card for its full amount of nearly $500 (was buying DVDs) I got a call within five minutes from VISA security. They had me do a full security check and they asked me some questions and just generally wanted to make sure it was a legit purchase made on my card.

It was cool but never happend again. I guess I make so many huge purchases around that or half that ammount that it doesn't raise any red flags.

$500 is considered a huge purchase? LMAO

Your brain must be damaged.
When your credit limit is near $500 and you make a purchase of nearly $500, then this is considered a huge purchase and could definitely raise red flags to the credit card company.