topic Re: Embarrassing Moment in Credit Cards

Embarrassing Moment

Anonymous — Mon, 05 Jan 2015 16:48:26 GMT

So, today we went to a research conference in Pittsburgh (my home graduate school is in NYC, but I do travel a lot for conferences).

As usual, I walked into a Dunkin Donuts to get a XL black coffee (yes, I don't like Starbucks )

swiped my Arrival+, declined!

then tried my ML American Express, declined!

(felt like I have poor credit already atm and the line is very very long)

then I tried my British Airways, declined!

(I only bought 3 credit cards with me today and other than that in my wallet there only exist couple two dollar bills that has been in there since middle school)

(also, the cashier and those probably undergraduates are obviously annoyed or ... just amused haha)

I gave up the coffee and walked out ...

Anybody experienced something like that before? I guess I should have bought more cash ... and of course with no disappointment - I received 2 fraud alerts emails right away from Chase and Barclay's after like 1 minute I walked out of DD ...

Re: Embarrassing Moment

Anonymous — Mon, 05 Jan 2015 16:51:47 GMT

@Anonymous wrote:
So, today we went to a research conference in Pittsburgh (my home graduate school is in NYC, but I do travel a lot for conferences).
As usual, I walked into a Dunkin Donuts to get a XL black coffee (yes, I don't like Starbucks )

swiped my Arrival+, declined!
then tried my ML American Express, declined!

(felt like I have poor credit already atm and the line is very very long)

then I tried my British Airways, declined!

(I only bought 3 credit cards with me today and other than that in my wallet there only exist couple two dollar bills that has been in there since middle school)
(also, the cashier and those probably undergraduates are obviously annoyed or ... just amused haha)

I gave up the coffee and walked out ...

Anybody experienced something like that before? I guess I should have bought more cash ... and of course with no disappointment - I received 2 fraud alerts emails right away from Chase and Barclay's after like 1 minute I walked out of DD ...

What? Ummm no.. I'd have been really pissed after 2 card declines..

Re: Embarrassing Moment

Closingracer99 — Mon, 05 Jan 2015 16:54:36 GMT

I had discover decline a $300 dollar purchase at s rite aid before and was my only CC at the time ;( it was fraud protection

Re: Embarrassing Moment

Anonymous — Mon, 05 Jan 2015 16:55:12 GMT

I feel your pain. I went to IKEA, loaded up a full cart and was declined by amex prg, and capone qs. Luckily I had my debit though

Re: Embarrassing Moment

1GaDawg85 — Mon, 05 Jan 2015 16:55:47 GMT

I would be so pissed

Re: Embarrassing Moment

Anonymous — Mon, 05 Jan 2015 16:58:37 GMT

@Anonymous wrote:
I feel your pain. I went to IKEA, loaded up a full cart and was declined by amex prg, and capone qs. Luckily I had my debit though

Must be lots of cash back dollars that you missed by using a debit card!

Re: Embarrassing Moment

jim44 — Mon, 05 Jan 2015 16:58:47 GMT

I can relate to sort of......... used my debit card (as credit) at a drugstore and it was declined and then later at the CU atm... also declined. Immediately after the attempted ATM transaction, I recieved a text from the CU about my card number had been compromised. I'm glad they are looking out for me however I never understand why the bank/CU waits until after you attempt (and they decline the transaction) to let you know about the fraud/theft.

Re: Embarrassing Moment

Creditaddict — Mon, 05 Jan 2015 16:59:45 GMT

wow 3 with 3 different banks for under $5!

I have had amex shut off 4 cards related to the same account before but never multiple banks all declining at same time!

I would have found it funny until I got declined by the 3rd and last card I had on me like you... wow!

Re: Embarrassing Moment

Hightechredneck — Mon, 05 Jan 2015 17:00:21 GMT

When I travel I always carry at least 7 CCs and at least two debit cards. I have a $20 in a pocket on my belt and I always have at least $100 in cash. I also have about $20 worth of change in my Truck's console for good measure.

Re: Embarrassing Moment

CreditCuriosity — Mon, 05 Jan 2015 17:01:42 GMT

I would be very upset and embarrased and take some time later that day and have alittle talk with those lenders.. Not like you are out of country.. Guess you could of gave them a heads up on traveling, but within the us that really isn't typically an issue at least for me.

Re: Embarrassing Moment

Anonymous — Mon, 05 Jan 2015 17:02:01 GMT

@Anonymous wrote:
So, today we went to a research conference in Pittsburgh (my home graduate school is in NYC, but I do travel a lot for conferences).
As usual, I walked into a Dunkin Donuts to get a XL black coffee (yes, I don't like Starbucks )

swiped my Arrival+, declined!
then tried my ML American Express, declined!

(felt like I have poor credit already atm and the line is very very long)

then I tried my British Airways, declined!

(I only bought 3 credit cards with me today and other than that in my wallet there only exist couple two dollar bills that has been in there since middle school)
(also, the cashier and those probably undergraduates are obviously annoyed or ... just amused haha)

I gave up the coffee and walked out ...

Anybody experienced something like that before? I guess I should have bought more cash ... and of course with no disappointment - I received 2 fraud alerts emails right away from Chase and Barclay's after like 1 minute I walked out of DD ...

So these are fraud alerts from an unusual location for you? Bad luck it was on all three cards.

I had declines on two cards at CVS, and like you, just gave up

Re: Embarrassing Moment

Anonymous — Mon, 05 Jan 2015 17:02:50 GMT

@obageegee wrote:
When I travel I always carry at least 7 CCs and at least two debit cards. I have a $20 in a pocket on my belt and I always have at least $100 in cash. I also have about $20 worth of change in my Truck's console for good measure.

+1 always be prepared

I should start doing that ... can't just rely on plastic.

Re: Embarrassing Moment

Anonymous — Mon, 05 Jan 2015 17:04:33 GMT

@Anonymous wrote:
@Anonymous wrote:
So, today we went to a research conference in Pittsburgh (my home graduate school is in NYC, but I do travel a lot for conferences).
As usual, I walked into a Dunkin Donuts to get a XL black coffee (yes, I don't like Starbucks )

swiped my Arrival+, declined!
then tried my ML American Express, declined!

(felt like I have poor credit already atm and the line is very very long)

then I tried my British Airways, declined!

(I only bought 3 credit cards with me today and other than that in my wallet there only exist couple two dollar bills that has been in there since middle school)
(also, the cashier and those probably undergraduates are obviously annoyed or ... just amused haha)

I gave up the coffee and walked out ...

Anybody experienced something like that before? I guess I should have bought more cash ... and of course with no disappointment - I received 2 fraud alerts emails right away from Chase and Barclay's after like 1 minute I walked out of DD ...
So these are fraud alerts from an unusual location for you? Bad luck it was on all three cards.

I had declines on two cards at CVS, and like you, just gave up

Well yea this is the first time I'm in Pittsburgh ... granted

Re: Embarrassing Moment

BlueRenew — Mon, 05 Jan 2015 17:09:33 GMT

I had that happen at ikea to.

It was with my NFCU cashrewards card I tried it twice and it declined,

I just got my QS1 but hadn't activated it so I had to use my debit card.

Re: Embarrassing Moment

Enclo537 — Mon, 05 Jan 2015 17:17:55 GMT

Yes haha. I was on a date, everything was going great until it was time to pay for the food. My card came back declined. I ended up having to split the check since I only had only half, I asked my date if she could put the other half. She wasn't bothered but I was really, really embarrassed. Worst thing was, it was valentines day.

Re: Embarrassing Moment

Anonymous — Mon, 05 Jan 2015 17:30:01 GMT

@brisae, Id be pretty annoyed too if I wound up having to use a debit card. Lost rewards and protection

Re: Embarrassing Moment

Lyythine — Mon, 05 Jan 2015 17:56:50 GMT

@Anonymous wrote:
So, today we went to a research conference in Pittsburgh (my home graduate school is in NYC, but I do travel a lot for conferences).
As usual, I walked into a Dunkin Donuts to get a XL black coffee (yes, I don't like Starbucks )

swiped my Arrival+, declined!
then tried my ML American Express, declined!

(felt like I have poor credit already atm and the line is very very long)

then I tried my British Airways, declined!

(I only bought 3 credit cards with me today and other than that in my wallet there only exist couple two dollar bills that has been in there since middle school)
(also, the cashier and those probably undergraduates are obviously annoyed or ... just amused haha)

I gave up the coffee and walked out ...

Anybody experienced something like that before? I guess I should have bought more cash ... and of course with no disappointment - I received 2 fraud alerts emails right away from Chase and Barclay's after like 1 minute I walked out of DD ...

I am currently in Pittsburgh, I split my time between here and DC. I live within a mile of CMU and PITT, Ill be happy to buy you your coffee

Re: Embarrassing Moment

Strogen — Mon, 05 Jan 2015 18:02:01 GMT

I had this happen at a gas station before. They had let me pump my car full and I went inside to pay and they declined 10 credit cards. Yup, 10!

I said, look I know for a fact your system is down. The meth'd out attendant wasnt helpful and only offered excuses. She pointed out that no one else was having an issue.

I pointed out that they were using cash(bad part of town)....

In the end I had to use the crappy gas station atm, walked out of there real angry. I called Chase and demanded an answer, they said we never got anything on our system, the gas station was at fault.

Typical for the low income part of town(broke equipment, druggie attendants), knew I should have avoided it.

Re: Embarrassing Moment

vanillabean — Mon, 05 Jan 2015 18:08:02 GMT

@Enclo537 wrote:
Yes haha. I was on a date, everything was going great until it was time to pay for the food. My card came back declined. I ended up having to split the check since I only had only half, I asked my date if she could put the other half. She wasn't bothered but I was really, really embarrassed. Worst thing was, it was valentines day.

Haha, I guess it left it wide-open for you to come to her room to pay her half.

Re: Embarrassing Moment

boosnark — Mon, 05 Jan 2015 18:19:26 GMT

I get a fraud alert every now and then and the worst offender is American Express. Good thing you can confirm a charge attempt online, though, without having to call in.