Pissed @ creditcard

Communities Blog
1

My main creditcard has magistically decided that it will start declining every purchase I try to make.

Ive got a zero balance. On all my credit lines.
And on this perticular card, I even have negitive credit. Because I returned like $560 worth of stuff to newegg and amazon (rma some ram and an ssd)

I make my way down to frys last nite.
To go buy a gtx 1080.

That works just fine.

The guy says that they just got a few of em in stock

So I say a few ?

Tldr. I try to buy a second one.

Knowing that cards tend to decline duplicate dollar amount orders from the same store on the same day,
I grab some heat shrink and 2 sli bridges.

The card declines...
First purchase was like 741.19
Second one was like 770.00
So it cant possibly be a duplication deny.

Screw it, try it again.
Declined.

Now im at the checkstand looking like a broke asshole.
I use my secondary credit card.
And it goes through just fine.

Talk about embarrassing.
So now im pissed off.

I get home, and the next morning.
(This morning)
I hop online to buy a waterblock and some quick disconnect fittings
Koolance.com and
Ekwb.com
Respectively.

And my same card DECLINES me.
AGAIN.

(Bearing in mind. Ive got not only a zero balance but even EXTRA credit on this card. So im not even possibly NEAR any type of limits on this acct.)

I use a secondary payment method and check out.
No big deal.

I walk down to my bank branch.
And they pretty much say.
Aint our problem. Youve got to call cardmember services.
The people that actually run the bank cards...

Well fuck me rite?

Tldr.
35 MINUTES ON HOLD
To talk to a human
To get hung up on within 30 seconds....
Naturally I call back.
Plus. An extra 35 minutes.

They Claim someone MIGHT have my card number .
but hasnt tried to make any purchases.
Or look ar any info.

But they went ahead and BLOCKED my credit lines and cards.

For the next TEN DAYS. I cant do JACK SHIT.

ALL WITHOUT BOTHERING TO CONTACT ME
Or even verifying my purchase history.

BEFORE ANY ACTUAL FRAUD HAPPENED.

I just closed all of my lines at that branch.
Im in a new bank waiting to talk to some other bank corp asshat
To get a personal line of credit somewhere else

2 Likes
2

Maybe the main cards provider thinks that you're not a cow worth to milk such sums

3

You are having bad luck all the time...
Not even sure what to say anymore.

1 Like
4

Welcome to life.
Here is your free diabetes.
Cancer is just down the hallway to your left

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5

Sounds like it's time to take your business elsewhere

1 Like
6

I think its Voodoo

1 Like
7

What is your credit score if I may ask?

I would recommend just going with a better company. If you have the score, you can getting into some nicer cards with much nice service and features.

1 Like
8

you should've told them yea someone stole your card and credited you $700 on it.

1 Like
9

lul, yea... good idea... not like you can't get in trouble for credit fraud.

1 Like
10

they already marked card as stolen, so why not git gut.

1 Like
11

Lol
Risk taker

12

Last time I saw it
Was 745 fdic

13

not bad....

I just got this card with a 750.

https://www.capitalone.com/credit-cards/venture/

It's not my first card with them but they've been great about catching fraud and mailing me a new card the same day.
I got gas once the next town over and they caught that my card was incorrectly used at a target 5 miles from the pump while i was driving back home ($15 charge). I have no idea how they knew but I got a txt and email and 1 click later that card is dead, charge is reverted, and I'm being mailed a new card.

I've never had it wrongly denied.

14

See that sounds wonderful at least they bothered to contact you about it

15

what company did you have before?

16

It was a usbank
Usbankcorp
10% apr
$10k limit
No Membership/monthly maintenance fees

17

ahh i see the problem. You tried to buy a GTX 1080 with a score of only 745. You need a credit score of 1080 or higher to get the 1080.

/s

1 Like
18

SONOFABITCH
but I need that 1080
Actually I already got two of them last night I just had to use my other card
That same other card I just tried to purchase the waterblock and quick disconnect fittings on this morning
One of the same cards I just f****** cancelled out of anger and frustration and snap decisions

so I'm not even sure if
that order is going to go through or not....

19

... that just looks like crap...

I'd just get a better card with a better co.

20

At 10% APR I feel like they think I'm waiting in the kiddie pool
10k aint shit