Credit Cards Center Credit cards from our partners
Reply
Established Contributor
Posts: 868
Registered: ‎10-11-2013
0

Discover being hormonal this month?

Is anyone else having issues with Discover cutting off your card for "suspicious activity" this month? They've sent me the "suspicious activity" twice this month, and I've had to log in to confirm transactions. There were no issues with any of the transactions. Does anyone know what causes them to decide to cut off your card? I've never heard from Amex or Citi, and I put a lot more spending/transactions through their cards, so it seems odd to me that Discover would be the one being hormonal of all of my creditors.

 photo NUS000000180_160X101_STRAIGHT.gif photo DISCOVER_IT_LG.gif photo card_1.png photo night-launch.png photo NUS000000012_160X101_STRAIGHT.gif photo bankamericard-better-balance-rewards-credit-card-small.png
$15000 ........... $12500 ............ $11750 ............ $10000 ........... $9400 ............ $5000 ............. $5000
In the Garden until at least November 2015
Established Contributor
Posts: 562
Registered: ‎06-02-2012
0

Re: Discover being hormonal this month?

Just getting used to you and or have had fraud reported at the same vendors. Carry on
"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank

"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar
Senior Contributor
Posts: 10,805
Registered: ‎10-21-2012
0

Re: Discover being hormonal this month?

[ Edited ]

chwebb1 wrote:

Is anyone else having issues with Discover cutting off your card for "suspicious activity" this month? They've sent me the "suspicious activity" twice this month, and I've had to log in to confirm transactions. There were no issues with any of the transactions. Does anyone know what causes them to decide to cut off your card? I've never heard from Amex or Citi, and I put a lot more spending/transactions through their cards, so it seems odd to me that Discover would be the one being hormonal of all of my creditors.


Sounds like "hormonal" is your choice word of the evening (based on your other post).

 

I've used my Discover card daily without any issues or any transactions being flagged.  Are you using the card in establishments prone to being "hormonal", errr... I mean "risky" or questionable?  Have you engaged Discover to see if their risk or security team can offer any guidance as to why certain transactions trigger these "suspicious activity" flags?  How old is your card?

Established Contributor
Posts: 868
Registered: ‎10-11-2013
0

Re: Discover being hormonal this month?


FinStar wrote:

chwebb1 wrote:

Is anyone else having issues with Discover cutting off your card for "suspicious activity" this month? They've sent me the "suspicious activity" twice this month, and I've had to log in to confirm transactions. There were no issues with any of the transactions. Does anyone know what causes them to decide to cut off your card? I've never heard from Amex or Citi, and I put a lot more spending/transactions through their cards, so it seems odd to me that Discover would be the one being hormonal of all of my creditors.


Sounds like "hormonal" is your choice word of the evening (based on your other post).

 

I've used my Discover card daily without any issues or any transactions being flagged.  Are you using the card in establishments prone to being "hormonal", errr... I mean "risky" or questionable?  Have you engaged Discover to see if their risk or security team can offer any guidance as to why certain transactions trigger these "suspicious activity" flags?  How old is your card?


My card is around 3 months old now. I chatted with them the only thing they would tell me is if you shop online or shop outside of your normal area, it might trigger an alert on your account. I feel like almost everyone shops online and/or travels, so I'm not sure how helpful that information is. Especially since it's 5% back on online shopping this quarter, so I'm sure almost everyone shops online this quarter with their Discover.

 photo NUS000000180_160X101_STRAIGHT.gif photo DISCOVER_IT_LG.gif photo card_1.png photo night-launch.png photo NUS000000012_160X101_STRAIGHT.gif photo bankamericard-better-balance-rewards-credit-card-small.png
$15000 ........... $12500 ............ $11750 ............ $10000 ........... $9400 ............ $5000 ............. $5000
In the Garden until at least November 2015
Highlighted
Established Member
Posts: 15
Registered: ‎10-23-2012
0

Re: Discover being hormonal this month?

[ Edited ]

chwebb1 wrote:

Is anyone else having issues with Discover cutting off your card for "suspicious activity" this month? They've sent me the "suspicious activity" twice this month, and I've had to log in to confirm transactions. There were no issues with any of the transactions. Does anyone know what causes them to decide to cut off your card? I've never heard from Amex or Citi, and I put a lot more spending/transactions through their cards, so it seems odd to me that Discover would be the one being hormonal of all of my creditors.


Out of curiosity, did you use your Discover card during the period when Target had that security breach?

 

Maybe they're keeping a closer eye on accounts that might be compromised. I know Chase lowered daily limits for their debit cards. Could be Discover is following suit?

Starting Score: 735 (EQ) / 777 (TU)Oct. 2012
Current Score: 761 (EQ) / 752 (TU)Aug. 2014
Goal Score: 800
App free since 19.11.2013. \o/
Established Contributor
Posts: 868
Registered: ‎10-11-2013
0

Re: Discover being hormonal this month?

I didn't use my Discover at Target during the breach. It might be interesting to find out if it has to do with the breach, though. Maybe they're keeping an eye on everyone's account?

 photo NUS000000180_160X101_STRAIGHT.gif photo DISCOVER_IT_LG.gif photo card_1.png photo night-launch.png photo NUS000000012_160X101_STRAIGHT.gif photo bankamericard-better-balance-rewards-credit-card-small.png
$15000 ........... $12500 ............ $11750 ............ $10000 ........... $9400 ............ $5000 ............. $5000
In the Garden until at least November 2015
Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: Discover being hormonal this month?

[ Edited ]

Not for me.  Christmas Eve I charged a single transaction for $2k and they didn't say a word. 

 

To  add, I was over 100 miles from home 

Senior Contributor
Posts: 10,805
Registered: ‎10-21-2012
0

Re: Discover being hormonal this month?


09Lexie wrote:

Not for me.  Christmas Eve I charged a single transaction for $2k and they didn't say a word. 

 

To  add, I was over 100 miles from home 


So, in other words Lexie, your Discover card did not act "hormonal" right?  LOL

Established Contributor
Posts: 868
Registered: ‎10-11-2013
0

Re: Discover being hormonal this month?

I'm slowly coming to the conclusion that Discover hates me. They wouldn't CLI me at 3 months, and they keep shutting off my card. Maybe I need to whisper sweet-nothings to my Discover card?

 photo NUS000000180_160X101_STRAIGHT.gif photo DISCOVER_IT_LG.gif photo card_1.png photo night-launch.png photo NUS000000012_160X101_STRAIGHT.gif photo bankamericard-better-balance-rewards-credit-card-small.png
$15000 ........... $12500 ............ $11750 ............ $10000 ........... $9400 ............ $5000 ............. $5000
In the Garden until at least November 2015
Established Contributor
Posts: 875
Registered: ‎04-28-2013
0

Re: Discover being hormonal this month?


FinStar wrote:

09Lexie wrote:

Not for me.  Christmas Eve I charged a single transaction for $2k and they didn't say a word. 

 

To  add, I was over 100 miles from home 


So, in other words Lexie, your Discover card did not act "hormonal" right?  LOL


Mine flew into a PMS rage when I last used it, however. Smiley Tongue

 

Actually, Discover has locked up my card this week for suspicious activity (used on Amazon for $157). It didn't bother me. I actually thought it was nice that they were keeping an eye out on my account.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.