Discover and I are off to a bad start (I think)

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
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Robrus1
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Discover and I are off to a bad start (I think)

Postby Robrus1 » Sun Dec 23, 2012 8:00 am

I don't know who I should be more frustrated with, Wal Mart or Discover. I just got my Discover IT card the other day and decided to use it for the first time yesterday. I bought a Google Nexus 10 tablet on Wal Mart's website, (only because Best Buy, Office Depot were sold out) and the website told me I could pick it up in store in a few hours.

Shortly afterward, I got a call from an automated system for Discover, wanting me to press 1, if I authorized the charges, so I did. Shortly after that, I got an email from Wal Mart saying that my order had been placed on hold and to expect another email in the next 48 hours. Basically the email said my order was delayed to verify payment information. Since this is a Christmas present, and a hard one to find, I didn't want to wait that long. Wal Mart employees saw my order, but told me it hadn't processed yet so they couldn't give me my merchandise.To make a long story short, I wound up having to buy another one with my CSP, and then go home and cancel the online order I made with my Discover card.

Did Discover perhaps flag my card/delay authorization since the first purchase I put on it was over $500 or another amount? Or is that just what I get for dealing with Wal Mart? It doesn't really seem like a large enough purchase to warrant the fraud department...
Amex Platinum
Amex BCP 21K
Amex SPG 5K
Barclaycard Arrival Plus WEMC 5K
Chase Sapphire Preferred 23.5K
Credit Union 10K
Discover IT 7.75K


jeffysdad
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Postby jeffysdad » Sun Dec 23, 2012 8:27 am

Yeah. You definitely triggered a fraud alert. It will get better as you continue to use the card and the fraud-detection algorithm at Discover learns your spending habits.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.

Ratfacedudeguy
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Postby Ratfacedudeguy » Sun Dec 23, 2012 2:53 pm

I actually had the exact same thing happen when ordering my new laptop from Amazon. It was also the first major purchase I made with my new It card, so I could understand why the fraud detection system would throw an alert. That's not to say that I wasn't a bit upset by it because of the timing, but that's another story.
Amex Green - NPSL - 05/12
Amex Zync - NPSL - 06/12
Discover it - $7750 - 11/12
Chase Sapphire Preferred Visa Signature - $5000 - 11/12
SECU Platinum Visa - $5000 - 08/08
Bank of America Cash Rewards Platinum Plus Visa - $3000 - 06/08
Citi Diamond Preferred Mastercard - $3000 - 05/12
GECRB Old Navy Visa - $2500 - 11/12
Chase Amazon Visa - $2000 - 11/12
Chase Freedom Visa - $2000 - 07/12
Citi Thank You Visa - $1000 - 06/12
Amex Blue Cash Everyday - $1000 - 01/13

CC Deville
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Postby CC Deville » Sun Dec 23, 2012 7:51 pm

Large dollar first purchase made at a discount store, online...yeah, you triggered their fraud detection.

In the future I would just give them a quick call beforehand to let them know you are making a $XXX purchase online etc. That way, if the account is reviewed by the fraud department, they will see that note and unblock the account.

MemberSince99
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Postby MemberSince99 » Tue Dec 25, 2012 8:32 pm

I had an authorized user who got gas with it, then used it at Walmart, got declined, they declined it and locked the card. Maybe they don't like Walmart or something. It caused me irritation with Discover. I asked the rep what the hell good is your card if I can't use it to get gas and groceries with it? Answer: just deal with it dude, I don't care I just work here, in so many words. (No he didn't say that outright, it was kinda unspoken, he basically didn't give a rat's rear end).

Discover can be annoying as hell that way. They won't tell you anything about what triggers their fraud detection but Walmart use seems to get watched more closely as far as I can tell.

Robrus1
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Postby Robrus1 » Wed Dec 26, 2012 7:54 pm

MemberSince99 wrote:Discover can be annoying as hell that way. They won't tell you anything about what triggers their fraud detection but Walmart use seems to get watched more closely as far as I can tell.


Good to know. I've never had Amex or Chase give me a problem when making online purchases of any dollar amount. I'm thinking it was because it's a new card and we have no history together yet, although now I'm wondering why I would use it for any other reason than for the 5% back categories.

Thanks for your input, everyone.
Amex Platinum
Amex BCP 21K
Amex SPG 5K
Barclaycard Arrival Plus WEMC 5K
Chase Sapphire Preferred 23.5K
Credit Union 10K
Discover IT 7.75K



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