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Chase Visa Complaint - Black Friday Debacle - Chase Visa Card
Chase Visa Card - Complaint
ATLANTA, GEORGIA -- A little background. I have been a Chase Visa Customer for the past 7 years. My wife and I actually run out entire household budget out of this card, which we promptly pay off every month. We do this mainly for hotel reward points, and typically run a fairly large bill each month. That has never been paid a moment late. I would hazard to guess that we have one of the best payment records of 98% of all or their card members. Today during the annual black Friday shopping event my wife had our card declined 3 times for 200.00 in purchases. The customer service folks told us it was for security. Our available credit is in the tens of thousands of dollars. She worked with customer service for over an hour to get out small transaction approved and Customer service actually hung up on her once. Not to mention that this delay caused her to miss several of the prized and time sensitive doorbusters. Customer service seemed powerless to make thing happen and when I call they put me on hold and eventually disconnect me.
This card is definitely cancelled I can't believe in these days where everyone defaults this company treats a first class customer like me to this complete debacle. I will never have a visa card again..
This card is definitely cancelled I can't believe in these days where everyone defaults this company treats a first class customer like me to this complete debacle. I will never have a visa card again..
Comments:
Posted by PassingBy on 2008-11-28:
All credit cards operate the same way. Their system detected 3 large amount purchases in a short time period. This causes the card to be automatically denied. Let's say your card had been stolen. The thief would attempt to make as many purchases, usually high priced items, as possible before you reported the card stolen. They would cut off the card until they heard from you.
Posted by KenPopcorn on 2008-11-28:
PB.... I don't think there were three large purchases, it sounds like they tried the card 3 times for a single $200 purchase. I'd be PO'ed too.
Posted by yoke on 2008-11-28:
Agree with passinby. We had that happen a few months ago. We were out shopping and the card was declined. I was embarassed at first, but then I called and I was told the reason it was declined was the fact we had done 3 transactions in less than an hour in 3 different stores and it was not our normal pattern. They were only protecting us.
Posted by bigboxworker on 2008-11-28:
Yep as someone who has worked with Point of Sale systems for years, I can tell you this happens quite often when you make several large purchases within a very short time span. The card will either be declined or the cashier will be asked to call in manually for an authorization. Everytime you credit card is swiped it goes through a computer system that determines the risk level of the transaction; if its over a certain threshold the card will be denied or the merchant will be asked to call for authorizaiton. Happens all the time especially with VISA and American Express Cards.
Posted by LadyScot on 2009-11-28:
If your card were stolen you would be complaining that they let the charges go through.
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