I've Discovered I'm Better Off Using Visa or Mastercard
SALT LAKE CITY, UTAH -- This year I decided to do my holiday shopping online with my Discover card. On Monday, I made about 5-6 purchases totally about $250 on Amazon.com & they all appeared to go through. Mind you, I wasn't even close to my limit, which is $1,000. On Tuesday night, I received 5-6 emails from Amazon stating I needed to re-enter my credit card info. So I did & they appeared to go through just fine. On Wed. a. m., I went to the grocery store and tried to purchase some food w/my Discover card. It was declined. I called their customer service - and they told me a fraud alert had been put on my account, they agreed to remove the fraud alert right away. They didn't phone or email me, even though they had this info. on file. I asked them why purchases during the holiday season (in small amounts) that were shipped to my street & billing address were declined. I had to go back into my Amazon account & re-enter the credit card information for each purchase. So now it's Thursday, 12/16 and I get home from work tonight to find 6 new emails from Amazon - yes, Discover Card declined my purchases AGAIN. I called Discover & they told me their automatic fraud detection system was sensitive to the activity on my account (Hello? Six purchases during the Christmas shopping season?). So now I have to try to go do my holiday shopping this weekend, when I have absolutely no time - and am starting from scratch at the last minute, all thanks to Discover. Of course, I won't use my Discover card at the register because I'm afraid of setting off their overly-sensitive fraud detection system - and I'll be embarrasssed in public when the cashier says, "It was denied"! So why bother having a credit card when they don't let you use it? Their fraud detector would probably cause problems when traveling or on vacation, as I can only imagine how badly it would react to charges coming from another country! I'm closing this account - they are ridiculous & their customer service reps kept reading scripts to me, which only served to anger me off more. They kept telling me their fraud detection system was for my benefit, but if it prevents me from actually using the card when I need it, how is it beneficial to me. So how is that good for me? I've discovered I'm done with Discover.