Chase Sapphire Preferred declined at gas station

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
10 posts
TXviking
Centurion Member
Centurion Member
 
Posts: 432
Joined: Fri Apr 15, 2016 5:46 pm
Location: Palm Beach, Florida

Chase Sapphire Preferred declined at gas station

Postby TXviking » Sat Apr 30, 2016 9:48 am

Tried to fuel my car at a gas station in Norway using the CSP. This was a "Bunker Oil" gas station, which is a chain of low-budget, unattended stations.

Since it's unattended, there's no way to provide a signature, but I've seen some places accept just the card. So I thought I'd try it. But nope: Card declined.

I wound up paying with a Norwegian debit card I have that's chip and pin. But it's something to be aware of when traveling abroad with American cards.


User avatar
CarefulBuilder14
Centurion Member
Centurion Member
 
Posts: 4444
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Re: Chase Sapphire Preferred declined at gas station

Postby CarefulBuilder14 » Sat Apr 30, 2016 10:55 am

No surprise there.

Officially, merchants that take Visa are supposed to accept any Visa, including Chip+Sig cards...but that's not happening anytime soon.

For PIN cards, a lot of people are turning to foreign banks, debit cards, or UNFCU. A few other domestic issuers have released Chip+PIN cards, but have either stopped taking new applications or are issuing new cards as Chip+Sig.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

Tubpbs
Centurion Member
Centurion Member
 
Posts: 1051
Joined: Mon Oct 19, 2015 2:08 pm

Re: Chase Sapphire Preferred declined at gas station

Postby Tubpbs » Sat Apr 30, 2016 11:38 am

CarefulBuilder14 wrote:No surprise there.

Officially, merchants that take Visa are supposed to accept any Visa, including Chip+Sig cards...but that's not happening anytime soon.

For PIN cards, a lot of people are turning to foreign banks, debit cards, or UNFCU. A few other domestic issuers have released Chip+PIN cards, but have either stopped taking new applications or are issuing new cards as Chip+Sig.


What I really don't get, is why not just issue is the right way? What is the difference to the American banks??? It makes no sense to me.
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It

Elijahmex
Centurion Member
Centurion Member
 
Posts: 180
Joined: Mon Sep 29, 2014 1:10 am
Location: EURO-US

Re: Chase Sapphire Preferred declined at gas station

Postby Elijahmex » Wed May 04, 2016 8:23 am

Very interesting.

I used my CSP at the post office this morning and it did not require a signature. I swiped the card and the lady behind the desk asked me for my card, looked at in, typed in 3 or 4 numbers on her keyboard and gave it back to me with the receipt. I didnt think to ask on the spot as I was reading an email but it seems it's not always signature required.
Image

TXviking
Centurion Member
Centurion Member
 
Posts: 432
Joined: Fri Apr 15, 2016 5:46 pm
Location: Palm Beach, Florida

Re: Chase Sapphire Preferred declined at gas station

Postby TXviking » Wed May 04, 2016 12:16 pm

Elijahmex wrote:Very interesting.

I used my CSP at the post office this morning and it did not require a signature. I swiped the card and the lady behind the desk asked me for my card, looked at in, typed in 3 or 4 numbers on her keyboard and gave it back to me with the receipt. I didnt think to ask on the spot as I was reading an email but it seems it's not always signature required.


Indeed. I've used it successfully a few places without signature as well. However, terminals that insist on chip and pin will reject it. That gas station was an example; other examples I've run into since are ferries and a local bakery.

I don't understand why American card issuers can't simply set a pin on the card and permit that to be used for purchases if the merchant wants to. But until they do, I'm keeping my Norwegian debit card (which is a MC and works elsewhere in Europe as well) as a backup.

User avatar
CarefulBuilder14
Centurion Member
Centurion Member
 
Posts: 4444
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Re: Chase Sapphire Preferred declined at gas station

Postby CarefulBuilder14 » Wed May 04, 2016 12:29 pm

TXviking wrote:
Elijahmex wrote:Very interesting.

I used my CSP at the post office this morning and it did not require a signature. I swiped the card and the lady behind the desk asked me for my card, looked at in, typed in 3 or 4 numbers on her keyboard and gave it back to me with the receipt. I didnt think to ask on the spot as I was reading an email but it seems it's not always signature required.


Indeed. I've used it successfully a few places without signature as well. However, terminals that insist on chip and pin will reject it. That gas station was an example; other examples I've run into since are ferries and a local bakery.

I don't understand why American card issuers can't simply set a pin on the card and permit that to be used for purchases if the merchant wants to. But until they do, I'm keeping my Norwegian debit card (which is a MC and works elsewhere in Europe as well) as a backup.

I don't suppose you have or have tried a Barclaycard product in Norway?
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

TXviking
Centurion Member
Centurion Member
 
Posts: 432
Joined: Fri Apr 15, 2016 5:46 pm
Location: Palm Beach, Florida

Re: Chase Sapphire Preferred declined at gas station

Postby TXviking » Wed May 04, 2016 12:35 pm

CarefulBuilder14 wrote:I don't suppose you have or have tried a Barclaycard product in Norway?


Nope. I've never been a Barclay customer. But if the card is a C&S Visa I suspect it would yield the same result as my CSP.

User avatar
CarefulBuilder14
Centurion Member
Centurion Member
 
Posts: 4444
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Re: Chase Sapphire Preferred declined at gas station

Postby CarefulBuilder14 » Wed May 04, 2016 12:50 pm

TXviking wrote:
CarefulBuilder14 wrote:I don't suppose you have or have tried a Barclaycard product in Norway?


Nope. I've never been a Barclay customer. But if the card is a C&S Visa I suspect it would yield the same result as my CSP.

It's a sort of primarily signature, occasionally PIN hybrid.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

Elijahmex
Centurion Member
Centurion Member
 
Posts: 180
Joined: Mon Sep 29, 2014 1:10 am
Location: EURO-US

Re: Chase Sapphire Preferred declined at gas station

Postby Elijahmex » Wed May 04, 2016 4:00 pm

This afternoon I bought two books at Barnes & Nobles. Total was 26.xx$ and required my signature. I got to my car and realized I needed another book so I went back in. This time it was 24.xx$ and did not require a signature. Very confused. I asked the cashier "It's a Visa signature why did it not require my signature?". Her answer was "With Visa any purchase less than 25$ does not require a signature". So that kind of made sense but then I remembered last Friday I bought a couple of energy drinks at my local gas station, total was less than 10$ and it required my signature so all of this is very confusing.
Image

Tubpbs
Centurion Member
Centurion Member
 
Posts: 1051
Joined: Mon Oct 19, 2015 2:08 pm

Re: Chase Sapphire Preferred declined at gas station

Postby Tubpbs » Wed May 04, 2016 5:15 pm

Elijahmex wrote:This afternoon I bought two books at Barnes & Nobles. Total was 26.xx$ and required my signature. I got to my car and realized I needed another book so I went back in. This time it was 24.xx$ and did not require a signature. Very confused. I asked the cashier "It's a Visa signature why did it not require my signature?". Her answer was "With Visa any purchase less than 25$ does not require a signature". So that kind of made sense but then I remembered last Friday I bought a couple of energy drinks at my local gas station, total was less than 10$ and it required my signature so all of this is very confusing.


I don't think Visa is requiring that signature. I think it's the gas station. I see no reason not to make someone sign if you can regardless of the amount...
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It



Return to “Visa & MasterCard”

Who is online

Users browsing this forum: No registered users and 3 guests