New card, spend bonus = less likely to get purchases flagged

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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whit
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New card, spend bonus = less likely to get purchases flagged

Postby whit » Wed Oct 07, 2015 11:20 pm

Couldn't fit the "?" At the end of the topic...

But I just had a random thought.

I recently opened a cc with chase, first ever, and it's a csp so I would need to spend 4K within the first three months.

So far I've already surpassed that and last night decided to splurge on a purchase (1.5k+).

I was kind of afraid they'll flag it because prior to this, the most expensive transactions were all around a few hundred at most (if anything, I take uber on it a lot too).

But it went through with no hiccups.

I'm just surprised because it's a new card with no established pattern of history..I mean this is my second month offically (and sadly).

I wonder if they are more lax in the beginning because of the spending requirement to get the bonus.

That they anticipate this type of transactions.

Granted I probably should have booked my tickets overseas next year instead but those plans haven't been finalized.

My discover card used to give me problems when I first traveled within the US, but not anymore.

Citi still gives me a problem when I order from oversea vendors...

Anyone ever had their purchases flagged within the first three months (or less) of them opening a card that has a bonus spending requirement?


ingramjuan
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Re: New card, spend bonus = less likely to get purchases flagged

Postby ingramjuan » Thu Oct 08, 2015 12:32 am

whit wrote:Anyone ever had their purchases flagged within the first three months (or less) of them opening a card that has a bonus spending requirement?


Actually it happen to me on my second or first purchase on my discover was $1700 that was made out of state. Had to go thru a verification. I actually expected that and appreciated that due to so much fraud going on.
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Vermonster
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Re: New card, spend bonus = less likely to get purchases flagged

Postby Vermonster » Thu Oct 08, 2015 8:18 am

I've never had that trouble with Chase. When I got my CSP the very first charge I put on it was a $2200 auto repair bill, less than 10 minutes after activating. I guess they figure someone who has just been given a new card is going to be very diligent about looking at pending charges. If there is fraud, the customer will likely catch it before a computer does.
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takeshi
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Re: New card, spend bonus = less likely to get purchases flagged

Postby takeshi » Thu Oct 08, 2015 9:41 am

I haven't had problems with large spend on a new card regardless of spend bonus or not.

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CarefulBuilder14
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Re: New card, spend bonus = less likely to get purchases flagged

Postby CarefulBuilder14 » Thu Oct 08, 2015 9:43 am

I used the Chase UR portal to do some online shopping the same day I got CSP. The first day's transaction went through for about $100. The next day I made another $200 online purchase with that merchant (free shipping can lead to inefficient planning, I know :ppp).

The second purchase was initially approved, then declined a few hours later. Having heard great things about CSP's service, I assumed I must have just entered the card info incorrectly. I thought Chase would surely contact me immediately (either by phone or email) if something suspicious was going on. Discover did that, after all. So I tried to make the same transaction again. Once more, it was initially approved then declined a few hours later.

I then called Chase, where I waited in line for 10-15 minutes before I spoke to a live front-line representative. They transferred me, I answered some security questions, and they put in place a sort of "fraud detection override" on the card for a day so I could make the transaction.

That was not a smooth experience, but I've had no problems with the card since then. I've made a few transactions for around $1k, but nothing really huge.
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Kevin86475391
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Re: New card, spend bonus = less likely to get purchases flagged

Postby Kevin86475391 » Thu Oct 08, 2015 10:27 pm

CarefulBuilder14 wrote:I used the Chase UR portal to do some online shopping the same day I got CSP. The first day's transaction went through for about $100. The next day I made another $200 online purchase with that merchant (free shipping can lead to inefficient planning, I know :ppp).

The second purchase was initially approved, then declined a few hours later. Having heard great things about CSP's service, I assumed I must have just entered the card info incorrectly. I thought Chase would surely contact me immediately (either by phone or email) if something suspicious was going on. Discover did that, after all. So I tried to make the same transaction again. Once more, it was initially approved then declined a few hours later.

I then called Chase, where I waited in line for 10-15 minutes before I spoke to a live front-line representative. They transferred me, I answered some security questions, and they put in place a sort of "fraud detection override" on the card for a day so I could make the transaction.

That was not a smooth experience, but I've had no problems with the card since then. I've made a few transactions for around $1k, but nothing really huge.


That seems like an anomaly to me. I've never had a charge declined by Chase (unless there was already a fraud issue on my account). I've also never waited nearly that long for customer service. IIRC every time I've called I've been instantly connected with someone who could help me and even when I've ended up being transferred up the chain or to a different department, it's always happened almost immediately.

Anyway, I've not had any problems with purchases being flagged on new accounts. It's happened a few times on established accounts (not Chase or Discover, but with BofA & Citi) when my purchase really was unusual for the account, and a few times for what to me seemed like completely normal, routine purchases, and I have no idea why they would have been flagged, but I've never had any issue with new accounts. I'm not sure if it's related to a spend bonus. My guess would have been that on a new account it's still learning your spending profile so less sensitive because really nothing can seem 'out of the ordinary' if there's no established ordinary yet.

Now that I hear CarefulBuilder's story about being declined for the same merchant less than 24 hours later, I suspect perhaps that's related to why I have experienced problems with what to me were very routine purchases. Maybe it raised red flags that I was already spending in the same place yet again. For me that's fairly normal though. I much more likely to spend in the same place a bunch of times all close together (often on the same day), then not at all for a long time, than I am to spend in an orderly, spaced out pattern.

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Re: New card, spend bonus = less likely to get purchases flagged

Postby rockyrock » Fri Oct 09, 2015 9:06 am

I've never had a problem as long as it was within my CL. I thought that's what CL's were for after all...
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