The credit card declined experience

I feel sorry for that woman, I really do. When a credit card is refused, it's automatically assumed that the person has exceeded their limit. Just before Christmas, my husband and I were in a store and discoved a treadmill that we really wanted was reduced by 50% for a one-day sale! We were so excited that we'd finally be able to get it! I decided to just put it on my credit card because we wanted to keep our cash for the Christmas shopping we were doing. I got to the register and my card was refused. I figured no big deal - I have two cards, I'll just use the other one. Refused again. Now here's the kicker. Both my cards were entirely empty. I almost never use credit, except for a convenience in a case such as this one. As it turned out, the problem was with the processing company. Slowly, register after register, the cards were getting refused. The cashier told me that, sometimes in peak hours, people get limited to a maximum such as $200 or $300 per transaction and they don't even know it! The processing company makes that decision unilaterally. She decided to test my card to see what would happen and, sure enough, it would accept $300 but not a cent more. And this had not a thing to do with my own personal credit! It's truly frustrating for those with and without credit difficulties to be made to look foolish at the register. I did have the satisfaction of knowing that my full balances were available to be used and that I wasn't over my limit or anything -- but to anyone who was watching me struggle with that transaction, that would surely not have been their first assumption.

It has happened to me several times when the bar in the card gets worn out it won't work. One has to go to the bank and get another card.

Yeah, we were in Maryland and my bank was in New York. We had only one credit card and I went to use it it was declined. It turned out my credit card company canceled it because some one with the card number tried to withdraw money from a machine in Belgium. I was shocked, have no idea how it could have happened but my company stopped it but unfortunately it left my husband and I without any money and in the area we were in no one wanted to take an out of state check. We had to borrow money from a friend until we could get a way to get some money.

I have never had a credit card denied perse, but I have had debit cards denied at the register. I was so mortified because I knew there was money in the account. As it turned out, the bank had registered my automatic deposit as a withdrawl and showed me several hundred dollars overdrawn. That was 4 or 5 years ago and I'm still fighting with them.

i've never had a credit card denied. i don't use the suckers with the outrageous interest rates. however, i've had damaged atm cards that wouldn't process and i had to stand there like a dummy or forgo my shopping. it is exceedingly embarrassing. still, i admit that atm cards are safer to carry about than cash as they can be replaced if lost and cash cannot.