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LOL, CHASE Freedom Declined!

Regular Contributor

LOL, CHASE Freedom Declined!

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?Smiley LOL

Message 1 of 32
31 REPLIES
Valued Member

Re: LOL, CHASE Freedom Declined!

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.

Barclay Visa Fin $1500 | Wal-Mart Discover $2000 | AmEx BCE $3000 | Target $3000 | Slate Visa $4800 | Hyatt Visa $5000

Last App: 3/16/2014 (Current FICO 740 per 4/07/14 Barclay FICO)
Message 2 of 32
Regular Contributor

Re: LOL, CHASE Freedom Declined!


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.


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

Message 3 of 32
Highlighted
Valued Contributor

Re: LOL, CHASE Freedom Declined!


DavidZeng wrote:

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.


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


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.

625 EQ FICO Current Score: 660 DCU EQ FICO/ 645 Scorewatch EQ FICO , EX FICO 664, TU FICO 737 (08/2014)
Goal Score: 700   Seedling again as of 07/29/14
Message 4 of 32
Regular Contributor

Re: LOL, CHASE Freedom Declined!

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

Message 5 of 32
Frequent Contributor

Re: LOL, CHASE Freedom Declined!

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.

Experian Score: 689--Amex 27 July 2014; Equifax Score 680--MyFICO--17 September 2014; TransUnion Score 718-Discover 20 August 2014--PUH-RAISE JESUS, I finally broke 700!!! Cards and Credit Lines: Escape by Discover, Chase Freedom Signature Visa, Chase United MileagePlus Explorer Signature Visa, Chase Sapphire Preferred Signature Visa, Barclay's Holland America Visa, Citibank Custom Credit Line, Paypal Custom Connect Credit Line, Bloomingdale's, Macy's Premier Elite, Amazon Store Card, Lord & Taylor, Nordstrom, Discover It, Gold Delta SkyMiles from American Express, PayPal BML.
Message 6 of 32
Valued Contributor

Re: LOL, CHASE Freedom Declined!


notfancy wrote:

DavidZeng wrote:

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.


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


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.


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

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Message 7 of 32
Moderator

Re: LOL, CHASE Freedom Declined!

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.

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne
Message 8 of 32
Super Contributor

Re: LOL, CHASE Freedom Declined!


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.


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.

Message 9 of 32
Super Contributor

Re: LOL, CHASE Freedom Declined!

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."
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Message 10 of 32