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Discover denied my card because I made 4 purchases in one day!!

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Originally posted by: Lucky
Originally posted by: jjones
Originally posted by: PipBoy
Originally posted by: jjones
It's for your protection, dumbass. A trifle annoying and perhaps inconvenient but easily taken care of. Better that than some jerk stealing your card and maxing it out.
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$200 != maxing out. Thanks for playing though.
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It's not necessarily the amount but also the number of purchases. Maybe you shouldn't be playing with credit cards.
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four purchases for $200 after 10 years of charging 20K/year should NOT trigger a denial unless he was overseas or something. I'd be pissed too. Imagine if he had bought new clothes for a date only to have the dinner be declined in front of his date. 😱
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Yeah but it's what the deem as unusual activity. I'm guessing in this case it was the number of purchases in such a short time. It set a red flag off in their system and they blocked usage of the card.

I've had this same thing happen to me a couple of times. First time I didn't know what was up until I got home and they had left a message. Second time, I knew what was up and called the 800 number on the back of the card from right in the store and they freed up the card for me immediately and I made my purchase.

What I'm saying is this is no big deal and nothing to get your panties in a bunch about or write a disgruntled "nasty gram". Now, I don't use Discover, never have, so if their customer service sucks, then that's something else.

 
Originally posted by: PipBoy
Originally posted by: jjones
It's for your protection, dumbass. A trifle annoying and perhaps inconvenient but easily taken care of. Better that than some jerk stealing your card and maxing it out.
Click to expand...

$200 != maxing out. Thanks for playing though.
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GROW UP
 
Yeah but it's what the deem as unusual activity. I'm guessing in this case it was the number of purchases in such a short time. It set a red flag off in their system and they blocked usage of the card.
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Well, obviously. My point was that unless he was far out of his usual geographic area of purchasing, 4 purchases totaling $200 should NOT be deemed unusual activity. That's ridiculous.
 
I had many experiences with this. The problem is with their POS software. To quote a discover security manager,

"Our IT department is full of morons."



Originally posted by: Lucky
Yeah but it's what the deem as unusual activity. I'm guessing in this case it was the number of purchases in such a short time. It set a red flag off in their system and they blocked usage of the card.
Click to expand...


Well, obviously. My point was that unless he was far out of his usual geographic area of purchasing, 4 purchases totaling $200 should NOT be deemed unusual activity. That's ridiculous.
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Originally posted by: PipBoy
Originally posted by: SuperSix
Jesus.. relax.

All companies do this, in varying levels. Was it that much of an inconvenience? Lemme gues.. You wanna sue them now too..
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You're kind of a dick.

Yes it was inconvenient, and somewhat embarrassing to have my card denied. I don't want to sue them, but that's a good try at putting words in my mouth.
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I may be a dick, but you're a whiny bitch.

When you grow up, hopefully you will realize:

  1. You don't know everything
  1. The world doesn't revolve around YOU
  1. People, even corporations, sometimes make mistakes
  1. Patience and understanding is a virtue

Are you a friend of Jerboy's?
 
I heard you can tell them not to do these precautionary checks/holds and they have to comply.
 
I don't really agree with PipBoy, but I see where he's coming from. I have two cards, my Bank of America Debit card, and my Sony Card from Citibank. I hate using my Debit card because if it is stolen and some purchases go through, even with the 300/day limit on purchases, the money is already taken out of my account and unusable until the whole thing is settled.

I won't get pissed, but what if I only had one of my cards with me and it gets denied? I don't like carrying around that much cash, and I've had my card denied at a gas station in the middle of friggen nowhere at 1 in the morning when I was driving between school in Davis and home in Southern Cali. I lost my wallet a few days before my trip and didn't have my Bank of America Visa card with me. Now, I would have been cussing up a storm if my buddy in the car didn't have a few credit cards on him.

I think you're beeing a lil harsh this time, SuperSix, but yes, his first post did make it seem like he overreacted.

<== monkey dance
 
Pip Boy

The reason they did this to you (probably using an automated process via software) is that you broke your normal purchasing trend. If you make pruchases once or twice a week and then make 4 purchases in one day, they might get suspicious. It's a mechanism there to protect you. Maybe you should get a second card for such scenerios.

As for being embarrased, you need to grow up. How do you get embarrassed in front of strangers? They are not your family/friends. Who cares? Just pay via a different method and move on.
 
I had this happen with one card once, when I was making purchases for work (and put lik 5k on it in one day). It was denied, so all I did was have the store call the credit card company, let me talk to them and verify that I was indeed making those charges. That worked fine.
 
Originally posted by: PipBoy
I have been a big proponent of Discover but now they must die. I went to the mall to get some shoes and stuff, I visited 4 stores and got $200 worth of crap. I go to buy $12 in cards at Hallmark... DENIED!!

I got home and had a voicemail from their security guys calling to verify activity. When I returned the call, they explained that they thought the card was stolen... wtf? They can blow me if they're gonna deny my card under those circumstances. I've been a customer for 10 years and charge about $20k/year.

I wrote a nicely worded nasty gram to their customer service. I am eager to see their reply.
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You will get a form letter that states their policy. Don't expect anything customized to your specific secenerio. They might give you a way to turn "things off", but then again, in doing so, you're probably agreeing to give up any protection they offer. So if someone steals your card, buys a $3500 TV, it's still your responsibility to pay the $3500 off. Not doing so will kill your credit report.

 
I believe you have the right to call them up and telling their account manager NOT to put a stop on your account if you make an unusually high amount of purchases a day - however, you're liable for the first $50 worth of stuff stolen unless you have one of those fancy cards that doesn't let you. (DC isn't like that though) What's the maximum number of items you've put on the card in one day before? If you normally rarely use it except for an occasional big purchase or something it's deemed suspicious. I can see why you're mad but they were just "trying" to look out for ya.
 
I would bet if your card actually got stolen and those who stole it used it to charge those mult. transactions... you will come in here and complain, "But they should know those are illegal activies because I never do that much transactions in a given day before."

Grow up whiner!
 
Hmmm... never been denied before...

they did flag some 'suspicious' activities on my car when I was flying from west to the east. Only thing they did was sending me a letter.

Oh yeah.. it's my Sony Citi-card, I have enough points for a free ps2 now... I'll just wait until the price drop.
 
You will get a form letter that states their policy. Don't expect anything customized to your specific secenerio. They might give you a way to turn "things off", but then again, in doing so, you're probably agreeing to give up any protection they offer. So if someone steals your card, buys a $3500 TV, it's still your responsibility to pay the $3500 off. Not doing so will kill your credit report.
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By federal law your liability is limited to $50, regardless of what the credit card company tells you. That's why it kills me to see companies offering credit fraud protection, if you read the fine print they are covering your $0-50 out of pocket in the event of fraud.

 
I agree that I'd rather have them deny multiple transactions in 1 day in the event that it's stolen without my knowledge.

That's why you would carry a 2nd credit card with you in your wallet. Not all places take Discover anyway. Don't tell me that's your only card.

<-- primary Discover Card user. Visa always on hand.
 
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