My bank did it to me again...

@reinydawn (11651)
United States
December 23, 2008 6:58am CST
Yes, this is frustrating, but yes, it's also necessary. I understand why the bank did this and now I know WHY I don't find out until it's too late! Yesterday, when I got to work, there was a message for me to call my credit card company for a security risk. The message was left on Sunday, when no-one was in the office so neither my husband nor I knew about it, although he found out before I did. On his way to work he had to stop at the store to get some stuff for his work holiday party and the credit card was declined. Now, we use this credit card for EVERY purchase we make because we get cash rebates on it. So, he's standing in line, trying to use the credit card and it's coming up declined. Well, there's no way, because we always pay the entire balance off every month and we've got an astronomically high credit limit (we'll never reach that limit so we know we've always got room on that card). He's like freaking out, but knows he needs to get to work so he uses the card we use only for our gas (more cash rebates on that). He calls me at work as I walk in the door and am being handed the message to call my bank. So, I call the bank and they wanted to verify some charges before they can release the hold. They've done this before and as I'm verifying the information the guy on the phone mentions that they did call yesterday and leave a message. When I told him that he's calling my work number and I don't get those messages until working hours he said they left a message first on the home number. Well, I was home all day yesterday and there was no message. They actually had my OLD phone number - from 4 years ago! When I changed my phone number at the bank, they have to separately process it with the credit card side. So once I got my credit card back on track I called the bank and told them to make all the changes. Hopefully the next time they put my account on hold I'll know about it!!!! Does your bank do "good" things for you - watching out for fraudulent charges - that are actually "bad" for you - making everyone in line think you don't pay your bills because your card is declined?
1 person likes this
3 responses
@sid556 (31018)
• United States
3 Feb 09
yes, my bank does that and while it is good, it can also put me in a bad spot. Last year I travelled to a mall with my daughter to buy her some clothes and things. I am a creature of habit and it is extremely rare for us to go on any sort of shopping spree. All went well for the first few stores. Then to my dismay, I went to pay for a purchase and my card declined. I knew I had plenty of money. Worried and embarrassed, I used my credit card instead of my bank card. When I got home, I called my bank to ask why my card was declined. She explained that there was a high volume of purchases being made out of the area. They shut me off as a precaution. I am glad they are paying attention but it could have left me in a really bad predicument. I needed gas to get home and we needed to eat. thankfully I had a credit card as a back-up.
1 person likes this
@reinydawn (11651)
• United States
3 Feb 09
It's a good and a bad thing. Good because they're looking out for you, but bad because it usually happens when you really are the one using it. I always have a backup too because you just never know!
• United States
30 Dec 08
You know mine was declined the other day and I could not figure out why. I have not gotten a message from them and I am not late on a payment nor maxed out so I should call them to find out what is wrong. I did not give it another thought because sometimes it does not go through at certain places.
@reinydawn (11651)
• United States
30 Dec 08
Mine is very worn and sometimes I have to reswipe it. I'll be getting a new one next month so that wont happen as much.
1 person likes this
@suzzy3 (8397)
23 Dec 08
What a pain and your poor husband how embarrasing ,this has never happened to us.They should ring you on your personal phone or mobile if this happens,this happened once to an old credit card they rang to say,had we been to Europe and we said no.someone had tried to make a fraudulent payment with our clonned card.They cancelled the payment and that was that.We have more than one card so this can never happen to us,as we always have access to our money.I feel so sorry for you.
1 person likes this
@reinydawn (11651)
• United States
23 Dec 08
They would have reached me on my house phone if they had used my updated phone number. Although I changed it with my bank 4 years ago, the credit card department didn't get the notification... Hopefully we're all straight now and it wont happen again.