Is the BBVA NBA card a scam

[Anonymous]

We spent $4100 on my wife's $20,000 limit during the promo.She got the card 3 weeks ago. Made 3-4 small purchases totalling about $170 a week before the promo. Haven't used it since Thursday, but all seems ok.

On my card which I've had since April, I only spent about $700 during the promo. I have been using mine all along, had a statement cut,paid over $1000 in payments and did a BT. All ok.

[unc0mm0n1]

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@Simba501 wrote:

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@unc0mm0n1 wrote:

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@longtimelurker wrote:

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@Anonymous wrote:

Sounds like you rushed to use the card once the promo was announced. From a fraud point of view, any "not within normal spending pattern" activity is going to automatically come up for review. It's their money and they can review the heck out of it, all they want. If the spending is legit and you have the finances to pay it back, it shouldn't be a probmem, right? 

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But if the review is blocking further spending until the promo period is over, that is a problem!

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Both my WIfe's (13 days) and my friends (8 days) account was magically unlocked the day after the promo ended. We asked for an extension of the promo, they told us to kick rocks. Got to love BBVA!

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That's questionable, at best.  Not sure I'd want to do business with them if it happened to me.

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Yeah my wife is pissed but not sure what we can do.  Just sucks cause we wanted to buy a pretty expensive grill and two road bikes, total of about 4K and was looking forward to the 5% back. 

[Anonymous]

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@unc0mm0n1 wrote:

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@Simba501 wrote:

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@unc0mm0n1 wrote:

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@longtimelurker wrote:

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@Anonymous wrote:

Sounds like you rushed to use the card once the promo was announced. From a fraud point of view, any "not within normal spending pattern" activity is going to automatically come up for review. It's their money and they can review the heck out of it, all they want. If the spending is legit and you have the finances to pay it back, it shouldn't be a probmem, right? 

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But if the review is blocking further spending until the promo period is over, that is a problem!

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Both my WIfe's (13 days) and my friends (8 days) account was magically unlocked the day after the promo ended. We asked for an extension of the promo, they told us to kick rocks. Got to love BBVA!

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That's questionable, at best.  Not sure I'd want to do business with them if it happened to me.

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Yeah my wife is pissed but not sure what we can do.  Just sucks cause we wanted to buy a pretty expensive grill and two road bikes, total of about 4K and was looking forward to the 5% back. 

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Too many reports of people being blocked during the promo for it to be coincidental.  I think they made a conscious decision to limit their exposure and locked accounts to protect their bottom line.  Very bad customer service and I'm not sure what if anything could be done about it.

[longtimelurker]

Just got an offer from TD for their card that gives 5% for the first 6 months (on gas, groceries, dining and utilities).    This card used to be uncapped, but the offer now says maximum of $450 cash back during 6 month period.    So $9K of 5% spend.   Not sure why BBVA didn't do something similar.....

[Anonymous]

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@longtimelurker wrote:

Just got an offer from TD for their card that gives 5% for the first 6 months (on gas, groceries, dining and utilities).    This card used to be uncapped, but the offer now says maximum of $450 cash back during 6 month period.    So $9K of 5% spend.   Not sure why BBVA didn't do something similar.....

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They did do something similar.  They capped the rewards by blocking people 

[unc0mm0n1]

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@Anonymous wrote:

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@longtimelurker wrote:

Just got an offer from TD for their card that gives 5% for the first 6 months (on gas, groceries, dining and utilities).    This card used to be uncapped, but the offer now says maximum of $450 cash back during 6 month period.    So $9K of 5% spend.   Not sure why BBVA didn't do something similar.....

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They did do something similar.  They capped the rewards by blocking people 

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Yeah, I think a cap is sensible. I just wish they would have told us that instead of locking the card.