Reply
Regular Contributor
DavidZeng
Posts: 324
Registered: ‎12-04-2013
0

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?:smileylol:

Valued Member
hilarybanks
Posts: 78
Registered: ‎07-05-2008
0

Re: LOL, CHASE Freedom Declined!

[ Edited ]

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)
Regular Contributor
DavidZeng
Posts: 324
Registered: ‎12-04-2013
0

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? :smileyvery-happy:

Valued Contributor
notfancy
Posts: 3,679
Registered: ‎11-23-2013
0

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? :smileyvery-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
Regular Contributor
DavidZeng
Posts: 324
Registered: ‎12-04-2013
0

Re: LOL, CHASE Freedom Declined!

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

Frequent Contributor
randeman
Posts: 272
Registered: ‎12-13-2012
0

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.
Valued Contributor
efranklin23
Posts: 1,547
Registered: ‎11-14-2013
0

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? :smileyvery-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.

$13.5K$7K6K$15K$5K1K
$5K

EQ-659 TU-676 EX-705 (as of 8-15-14)
Valued Contributor
gdale6
Posts: 9,413
Registered: ‎12-13-2013
0

Re: LOL, CHASE Freedom Declined!

[ Edited ]

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.

EX Cred Ses 12/14: 796 ; EX Fico 04 V2 06/14: 775; EX Fico 08 07/14 778 ; EX Fico 08 BC 11/14: 793
EQ Fico 05/14 781 ; EQ MPM 12/14: 750
TU Fico 8 12/14: 719; TU MPM 06/14 706
Senior Contributor
Open123
Posts: 4,219
Registered: ‎02-23-2011
0

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.

Super Contributor
enharu
Posts: 7,132
Registered: ‎02-27-2013
0

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."
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}