How sensitive are issuers to where you use your cards?

For just about anything you want to get off your chest about credit cards.
17 posts
DoingHomework
Centurion Member
Centurion Member
 
Posts: 707
Joined: Tue Sep 22, 2009 1:15 pm
Location: Arizona

Postby DoingHomework » Thu May 23, 2013 8:34 am

FastSRT8 wrote:There is nothing wrong with eating at McDonalds, Taco Bell or whatever. Hey, people do not become wealthy by eating Kobe beef every day nor by buying designer everything.


Ever used your Cent at Taco Bell? Lol - but I agree 100% with what you are saying. If Discover, Amex, or anyone else does not want you using your card at a particular merchant they won't approve that merchant's merchant account. They watch your spending but only to look for changes that may indicate fraud. If FastSRT frequents the Chihuahua place then that will not raise red flags. If all his dining charges are at fine dining places and suddenly there is a $500 charge at Taco Bell, that might raise an alert.


Smart_Shopper
Gold Member
Gold Member
 
Posts: 34
Joined: Wed May 22, 2013 3:56 pm
Location: United States

Postby Smart_Shopper » Thu May 23, 2013 3:27 pm

The only times my card was decline was based on usage activity and not usage location. The first time it happened, I was shocked. I knew that the purchase should have gotten approved. I was purchasing a large furniture item and called from the customer service station. The rep verified some info and told me that because my card had been dormant for 5 mths prior ($0 balance, no charges), and usage was usually for much smaller purchases, the sudden 1x purchase amount of $800 flagged the fraud system.

This happened again when I was traveling after the third gas station swipe the card was decline. Rep said, no usage and then multiple gas stops flagged the fraud department.

The next time it happened, I had moved and hadn't charged anything in over a year on that card. Three or four small ($50 or less purchases) were approved. A $200 purchase was approved, but I immediately received a fraud text as I was walking to my car alerting me that my card was frozen until I spoke with a customer service rep.

Each issue was resolved very quickly and I appreciated the fraud protection.

User avatar
FastSRT8
Centurion Member
Centurion Member
 
Posts: 1454
Joined: Thu Apr 19, 2012 1:32 pm
Location: Canada

Postby FastSRT8 » Thu May 23, 2013 6:02 pm

DoingHomework wrote:Ever used your Cent at Taco Bell? Lol - but I agree 100% with what you are saying. If Discover, Amex, or anyone else does not want you using your card at a particular merchant they won't approve that merchant's merchant account. They watch your spending but only to look for changes that may indicate fraud. If FastSRT frequents the Chihuahua place then that will not raise red flags. If all his dining charges are at fine dining places and suddenly there is a $500 charge at Taco Bell, that might raise an alert.


A $500 charge at Taco Bell should raise flags! That's just gross
Carpe diem quam minimum credula postero!

Bksuper
Centurion Member
Centurion Member
 
Posts: 257
Joined: Sun Oct 14, 2012 10:22 pm
Location: California

Postby Bksuper » Thu May 23, 2013 6:10 pm

I think the prices of gift card, money pak, vanilla reloads, money orders, etc after service fees and multiples thereof from big chain stores that sell those things is what raises the fraud alerts. Not that long ago there was a post about a $500 order from Walmart.com being declined on an amex platinum and amex probably saw it was in a high exact denomination of the most expensive gift card, exactly what a fraudulent person would buy, the fact it was a cardmember not present transaction type and from walmart on a platinum made it look more suspicious, but I don't think that's what raised the flag to begin with. I doubt a small charge from a fast food restaurant even when not frequent and even on a wealthy spend pattern/premium credit product would raise any flags.
Sole Ownership Cards:
1st Financial Bank Platinum Student Visa, $500 CL, Open Since 3/2012
Citi Forward Student Visa, $6k CL, Open Since 10/2012
Costco TrueEarnings Amex, $6k CL, Backdates to 1/2012
SallieMae Rewards Barclay Mastercard, $2.5k CL, Open Since 4/2013
Jointly Owned Cards (co-owner with mom, not AU, used and paid only by me):
Chase Amazon Rewards Visa Signature, $2k CL, Open Since 8/2012
US Bank Cash+ Visa Signature, $13.5k CL, Open Since 10/2012
Authorized User (Parents Pay/Use)
Costco TrueEarnings Amex $29.4k CL, AU since 11/2012

cashback
Centurion Member
Centurion Member
 
Posts: 793
Joined: Mon Oct 22, 2012 7:11 pm
Location: NY

Postby cashback » Thu May 23, 2013 6:26 pm

Bksuper wrote:it was in a high exact denomination of the most expensive gift card, exactly what a fraudulent person would buy


Buying gift cards is fraudulent now huh?
Credit Cards
Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

Not Used
Citi Simplicity - 5K, Sam's Club Discover - 10K

Future Cards
Sallie Mae World Mastercard

FICOs
Exp 772 - TU 781 - Equ 781

Bksuper
Centurion Member
Centurion Member
 
Posts: 257
Joined: Sun Oct 14, 2012 10:22 pm
Location: California

Postby Bksuper » Thu May 23, 2013 6:29 pm

cashback wrote:Buying gift cards is fraudulent now huh?

Not if you're the one doing it with your own card. But it's what people who have stolen someone's info want to do with it, from a statistical perspective, which is why it makes the banks suspicious if that is not part of your typical pattern, I would guess.
Sole Ownership Cards:
1st Financial Bank Platinum Student Visa, $500 CL, Open Since 3/2012
Citi Forward Student Visa, $6k CL, Open Since 10/2012
Costco TrueEarnings Amex, $6k CL, Backdates to 1/2012
SallieMae Rewards Barclay Mastercard, $2.5k CL, Open Since 4/2013
Jointly Owned Cards (co-owner with mom, not AU, used and paid only by me):
Chase Amazon Rewards Visa Signature, $2k CL, Open Since 8/2012
US Bank Cash+ Visa Signature, $13.5k CL, Open Since 10/2012
Authorized User (Parents Pay/Use)
Costco TrueEarnings Amex $29.4k CL, AU since 11/2012

cashback
Centurion Member
Centurion Member
 
Posts: 793
Joined: Mon Oct 22, 2012 7:11 pm
Location: NY

Postby cashback » Thu May 23, 2013 6:33 pm

Ahhhh I get what your sayin now.
Credit Cards
Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

Not Used
Citi Simplicity - 5K, Sam's Club Discover - 10K

Future Cards
Sallie Mae World Mastercard

FICOs
Exp 772 - TU 781 - Equ 781



Return to “General Credit Card Talk”

Who is online

Users browsing this forum: No registered users and 1 guest