LOL, CHASE Freedom Declined!

[DavidZeng]

I just back from NYC yesterday, when I tried to buy some gas at a shell station in Pennsylvania, Freedom declined me both at pump and cashier. I used this card same day at NYC shell, NJ Sunnoco, and that Penn shell( I first bought some snacks, $8 went through, then $25 gas declined). I never tried to use my Freedom today, Chase never sent me a fraud alert or anything. Just a little bit curious, why?

[hilarybanks]

Numerous purchases at gas stations is usually a sign of fraud. When credit thiefs steal and clone cards, they tend to hit up a lot of gas stations. I'm surprised that they didn't call you, though.

[DavidZeng]

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@hilarybanks wrote:

Numerous purchases at gas stations is usually a sign of fraud. When credit thiefs steal and clone cards, they tend to hit up a lot of gas stations.

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But they never sent me any emails or Message, Should I try my card today at my hometown? 

[notfancy]

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@DavidZeng wrote:

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@hilarybanks wrote:

Numerous purchases at gas stations is usually a sign of fraud. When credit thiefs steal and clone cards, they tend to hit up a lot of gas stations.

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But they never sent me any emails or Message, Should I try my card today at my hometown? 

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No. Call them up and let them know it was you using your own card. They probably canceled it, or at least have it on hold until you call in and prove that it is you and that your card was not stolen. They're just trying to protect you. Especially after all the card compromises lately... they are on high alert for suspicious activity.

[DavidZeng]

Just called them, fraud alert removed, why they never called last night, ehh.Beacuse I am not important to them??

[randeman]

The only time I have ever been called regarding attempted fraud, those who got my information tried to charge purchases that were several hundred dollars.  Maybe they felt your charges were too small and were sort of giving you the benefit of the doubt, maybe thinking that these small purchases were not enough of a warning sign that they were fraudulent charges.  That may be bogus, but it's a possible reason.

[efranklin23]

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@notfancy wrote:

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@DavidZeng wrote:

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@hilarybanks wrote:

Numerous purchases at gas stations is usually a sign of fraud. When credit thiefs steal and clone cards, they tend to hit up a lot of gas stations.

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But they never sent me any emails or Message, Should I try my card today at my hometown? 

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No. Call them up and let them know it was you using your own card. They probably canceled it, or at least have it on hold until you call in and prove that it is you and that your card was not stolen. They're just trying to protect you. Especially after all the card compromises lately... they are on high alert for suspicious activity.

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+1 to this. Chase usually calls you on these matters but if not, call ASAP and see what's going on with your card.

[gdale6]

All these banks stopping cards at slightest poss of something amiss is wrong and it must stop, it is out of control. Personally I terminate relatinships over it, my cards need to be reliable and available at a moments notice.. I would call the EO tomorrow and lodge a complaint.

[Open123]

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@gdale6 wrote:

All these banks stopping cards at slightest poss of something amiss is wrong and it must stop, it is out of control. Personally I terminate relatinships over it, my cards need to be reliable and available at a moments notice.. I would call the EO tomorrow and lodge a complaint.

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I actually agree with you.

I absolutely hate it when my card gets declined for fraud.  It is inconvenient, embarassing, and wastes my time to call in going through "yes, it's me," and answering all my security questions.  

Since I'm not liable for fraudulent charges (and, only up to $50 by Federal law), this practice serves only to protect the issuers, just as check ID protects the Merchants.  If it doesn't benefit me, I don't want to be bothered.  Actually, I don't use cards with touchy fraud preventiion alogrithms.

[enharu]

Maybe you were on the road outside town and had bad reception? It's not too surprising if you had services with certain carriers such as tmobile that has horrible coverage outside cities, since they "don't care about places that are in the middle of nowhere."