topic Re: Problem with New Quicksilver Card in Credit Cards

Problem with New Quicksilver Card

Anonymous — Sat, 10 Oct 2015 15:44:30 GMT

I just left Home Depot with my brother, where he was purchasing some building materials to do some repairs on his garage. He selected around $1800 worth of building materials and tried to use his new Capital One QuickSilver card. It's a new card he just receivedt the other day just for the home repairs and has a $10,000 limit. I recommended that he get the card since I knew he'd qualify, having a Fico of 750.

When we tried to check out, he was asked for his id (which I found odd since I've bought things with my credit card there and have never been asked). Anyway, after he showed his id, the clerk said the transaction was declined. Declined? He has never even used the card before--this would have been his first charge. The cashier tried it again but no go.

The cashier said he didn't know why it was declined and that my brother should contact Capital One. He wound up using his bank debit card to get the things he needed since he didn't have the time to hassle with them this morning. He says he'll be contacting Cap One some this weekend, though. I feel like an idiot for recommending the card now!

I've never had this problem using a new card before and was wondering if this is something Cap One does on new cards. His card has the chip so could that have something to do with it?

Does anyone have any experience with having a brand new Quicksilver card declined?

Re: Problem with New Quicksilver Card

Anonymous — Sat, 10 Oct 2015 15:49:59 GMT

A first charge of ~ $1800 could be suspicious, perhaps depending on his credit profile. And I can imagine that Home Depot is a good place to try stolen cards, busy, unmotivated staff etc, and some stuff that could be quickly resold.

He might see a fraud alert if he logs into the Cap One account.

Re: Problem with New Quicksilver Card

Anonymous — Sat, 10 Oct 2015 16:35:20 GMT

@Anonymous wrote:

When we tried to check out, he was asked for his id (which I found odd since I've bought things with my credit card there and have never been asked). Anyway, after he showed his id, the clerk said the transaction was declined. Declined? He has never even used the card before--this would have been his first charge. The cashier tried it again but no go.

The cashier said he didn't know why it was declined and that my brother should contact Capital One. He wound up using his bank debit card to get the things he needed since he didn't have the time to hassle with them this morning.

I would have contacted Capital One on the spot and since he used his debit card, he longer gets th 1.5% cash back. Merchants are suppose to check customer IDs, otherwise people can use any card they steal. If they recognize you then that's okay.

Re: Problem with New Quicksilver Card

jsucool76 — Sat, 10 Oct 2015 15:55:53 GMT

Definitely would have just called cap1 right there. Takes 2 minutes. If it was his first purchase, cap1 just got spooked. It happens.

Re: Problem with New Quicksilver Card

Bone35 — Sat, 10 Oct 2015 16:02:37 GMT

@Anonymous wrote:
I just left Home Depot with my brother, where he was purchasing some building materials to do some repairs on his garage. He selected around $1800 worth of building materials and tried to use his new Capital One QuickSilver card. It's a new card he just receivedt the other day just for the home repairs and has a $10,000 limit. I recommended that he get the card since I knew he'd qualify, having a Fico of 750.

When we tried to check out, he was asked for his id (which I found odd since I've bought things with my credit card there and have never been asked). Anyway, after he showed his id, the clerk said  the transaction was declined. Declined?  He has never even used the card before--this would have been his first charge. The cashier tried it again but no go.

The cashier said he didn't know why it was declined and that my brother should contact Capital One. He wound up using his bank debit card to get the things he needed since he didn't have the time to hassle with them this morning. He says he'll be contacting Cap One some this weekend, though.  I feel like an idiot for recommending the card now!

I've never had this problem using a new card before and was wondering if this is something Cap One does on new cards. His card has the chip so could that have something to do with it?

Does anyone have any experience with having a brand new Quicksilver card declined?

Is the card activated?

You stated it was your brothers first time using it, so it could have been an oversight. I know it sounds simple, but it does happen to the best of us.

I personally have never had an issue charging my Cap One cards.

Re: Problem with New Quicksilver Card

Dalanar — Sat, 10 Oct 2015 16:07:50 GMT

Yeah, i would've called Cap One on the spot. I would just get out of line and resolve then get back in. That's $27 he could've gotten. But I agree with the above poster. Was it even activated successfully? What I typically do with new cards is just use it to by a cup of coffee first before making a huge purchase --- just to make sure things are ok.

Re: Problem with New Quicksilver Card

Anonymous — Sat, 10 Oct 2015 16:09:41 GMT

@Dalanar wrote:
...use it to by a cup of coffee...

Did you have to say that? I drink coffee on average 6 times a year and now you've tempted me. Advertising is effective, sometimes.

Re: Problem with New Quicksilver Card

Dalanar — Sat, 10 Oct 2015 16:14:02 GMT

@Anonymous wrote:
@Dalanar wrote:
...use it to by a cup of coffee...
Did you have to say that? I drink coffee on average 6 times a year and now you've tempted me. Advertising is effective, sometimes.

6 times a year?? That's my stat in one day sometimes. Now I really need to reel back. I could be saving a lot of money. haha

Re: Problem with New Quicksilver Card

UncleB — Sat, 10 Oct 2015 16:35:36 GMT

@Bone35 wrote:
@Anonymous wrote:
I just left Home Depot with my brother, where he was purchasing some building materials to do some repairs on his garage. He selected around $1800 worth of building materials and tried to use his new Capital One QuickSilver card. It's a new card he just receivedt the other day just for the home repairs and has a $10,000 limit. I recommended that he get the card since I knew he'd qualify, having a Fico of 750.

When we tried to check out, he was asked for his id (which I found odd since I've bought things with my credit card there and have never been asked). Anyway, after he showed his id, the clerk said  the transaction was declined. Declined?  He has never even used the card before--this would have been his first charge. The cashier tried it again but no go.

The cashier said he didn't know why it was declined and that my brother should contact Capital One. He wound up using his bank debit card to get the things he needed since he didn't have the time to hassle with them this morning. He says he'll be contacting Cap One some this weekend, though.  I feel like an idiot for recommending the card now!

I've never had this problem using a new card before and was wondering if this is something Cap One does on new cards. His card has the chip so could that have something to do with it?

Does anyone have any experience with having a brand new Quicksilver card declined?


Is the card activated?

You stated it was your brothers first time using it, so it could have been an oversight. I know it sounds simple, but it does happen to the best of us.

I personally have never had an issue charging my Cap One cards.

When I worked retail, anytime a card was declined and it "looked new" I would always ask the customer if they had activated it yet... many times that would be the problem. Folks are just really busy now, and it's easy to forget... like Bone35 said, it happens to the best of us.

My personal experience with Capital One cards is that they are usually the least 'spooked' of all my cards. Actually, on the seldom occasion I have an issue with another card, it's my Capital One card that I reach for next, since I know it "just works". They are also the only issuer I have that doesn't need me to call them before I make international purchases online.

Re: Problem with New Quicksilver Card

Anonymous — Sat, 10 Oct 2015 16:43:47 GMT

UncleB wrote:

Is the card activated?

You stated it was your brothers first time using it, so it could have been an oversight. I know it sounds simple, but it does happen to the best of us.
I personally have never had an issue charging my Cap One cards.
+1
When I worked retail, anytime a card was declined and it "looked new" I would always ask the customer if they had activated it yet...

Isn't there a HUGE white sticker that says, "ACTIVATE ME!" on the credit card? The person lost $27 dollars in rewards. That's 11 grande cups of coffeeeeeee! Ahhhhhhh! This is the greatest horror halloween story of the week.

Re: Problem with New Quicksilver Card

ojefferyo — Sat, 10 Oct 2015 16:48:55 GMT

My friend has had his card restricted 2 times already. Once on first purchase which got declined and once while he was traveling. He used his other Cap1 card and it went through. Both time he was one the phone for 15+ mins. My card was also restricted on first purchase, why give us the card if you are gonna restrict us so quickly?

Re: Problem with New Quicksilver Card

UncleB — Sat, 10 Oct 2015 16:55:23 GMT

@Anonymous wrote:
UncleB wrote:
Is the card activated?
You stated it was your brothers first time using it, so it could have been an oversight. I know it sounds simple, but it does happen to the best of us.
I personally have never had an issue charging my Cap One cards.
+1
When I worked retail, anytime a card was declined and it "looked new" I would always ask the customer if they had activated it yet...
Isn't there a HUGE white sticker that says, "ACTIVATE ME!" on the credit card? The person lost $27 dollars in rewards. That's 11 grande cups of coffeeeeeee! Ahhhhhhh! This is the greatest horror halloween story of the week.

Be nice, Friz!

We don't know for sure that's the case yet... it could very well be Capital One suspecting fraud. We were only mentioning the activation issue since it actually is quite common. Believe it or not, there are folks who pull that sticker off with the intention of calling later, and some folks just get distracted and don't pay attention.

The OP will probably let us know once his brother has a chance to call Capital One.

Re: Problem with New Quicksilver Card

Anonymous — Sat, 10 Oct 2015 17:00:07 GMT

@Anonymous wrote:
@Anonymous wrote:

I would have contacted Capital One on the spot and since he used his debit card, he longer gets th 1.5% cash back. Merchants are suppose to check customer IDs, otherwise people can use any card they steal. If they recognize you then that's okay.

Uh, definitely not true about merchants checking IDs when using credit cards. In fact, both Visa and MasterCard have provisions in their agreements with retailers that specify that they are not supposed to check IDs. Under their agreements they cannot refuse to process a credit card transaction if you refuse to provide ID.

Re: Problem with New Quicksilver Card

Anonymous — Sat, 10 Oct 2015 17:01:58 GMT

@Anonymous wrote:
@Anonymous wrote:

When we tried to check out, he was asked for his id (which I found odd since I've bought things with my credit card there and have never been asked). Anyway, after he showed his id, the clerk said the transaction was declined. Declined? He has never even used the card before--this would have been his first charge. The cashier tried it again but no go.

The cashier said he didn't know why it was declined and that my brother should contact Capital One. He wound up using his bank debit card to get the things he needed since he didn't have the time to hassle with them this morning.

Merchants are suppose to check customer IDs, otherwise people can use any card they steal. If they recognize you then that's okay.

Actually, both MC and Visa explicirly say that the merchant cannot ask for ID as a condition of taking the card (i.e. they can ask but if the customer refuses they still have to proceed)

ETA: Irish beat me!

Re: Problem with New Quicksilver Card

Anonymous — Sat, 10 Oct 2015 17:06:56 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:

When we tried to check out, he was asked for his id (which I found odd since I've bought things with my credit card there and have never been asked). Anyway, after he showed his id, the clerk said the transaction was declined. Declined? He has never even used the card before--this would have been his first charge. The cashier tried it again but no go.

The cashier said he didn't know why it was declined and that my brother should contact Capital One. He wound up using his bank debit card to get the things he needed since he didn't have the time to hassle with them this morning.

Merchants are suppose to check customer IDs, otherwise people can use any card they steal. If they recognize you then that's okay.
Actually, both MC and Visa explicirly say that the merchant cannot ask for ID as a condition of taking the card (i.e. they can ask but if the customer refuses they still have to proceed)

ETA: Irish beat me!

If that is the case, then what we have here is a poorly trained or misinformed employee, vainly asking for ID which can be refused. I'm going to decline showing my ID once just to test their reaction--pretend to not have it on me. I've seen customers say they'll be right back, poor fella.

Re: Problem with New Quicksilver Card

ojefferyo — Sat, 10 Oct 2015 17:12:27 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:

When we tried to check out, he was asked for his id (which I found odd since I've bought things with my credit card there and have never been asked). Anyway, after he showed his id, the clerk said the transaction was declined. Declined? He has never even used the card before--this would have been his first charge. The cashier tried it again but no go.

The cashier said he didn't know why it was declined and that my brother should contact Capital One. He wound up using his bank debit card to get the things he needed since he didn't have the time to hassle with them this morning.

Merchants are suppose to check customer IDs, otherwise people can use any card they steal. If they recognize you then that's okay.
Actually, both MC and Visa explicirly say that the merchant cannot ask for ID as a condition of taking the card (i.e. they can ask but if the customer refuses they still have to proceed)

ETA: Irish beat me!
If that is the case, then what we have here is a poorly trained or misinformed employee, vainly asking for ID which can be refused. I'm going to decline showing my ID once just to test their reaction--pretend to not have it on me. I've seen customers say they'll be right back, poor fella.

As long as he signed the back of the card. No signature means they can ask.

Re: Problem with New Quicksilver Card

pipeguy — Sat, 10 Oct 2015 17:19:58 GMT

@Anonymous wrote:
@Anonymous wrote:

When we tried to check out, he was asked for his id (which I found odd since I've bought things with my credit card there and have never been asked). Anyway, after he showed his id, the clerk said the transaction was declined. Declined? He has never even used the card before--this would have been his first charge. The cashier tried it again but no go.

The cashier said he didn't know why it was declined and that my brother should contact Capital One. He wound up using his bank debit card to get the things he needed since he didn't have the time to hassle with them this morning.

I would have contacted Capital One on the spot and since he used his debit card, he longer gets th 1.5% cash back. Merchants are suppose to check customer IDs, otherwise people can use any card they steal. If they recognize you then that's okay.

Actually a merchant can NOT require a customer to show ID, it's against MC/V/AE merchant agreements (not sure about discover). The "authorization" on the card is all that is required - on a manual authorization where you are calling the processing certer (pretty rare today) you might get a code to pick up the card if you can, but in NO case is a merchant required or authorized to demand ID to complete the sale.

Note I was in the retail business for almost 40 years and 18 of those I owned my own business and had merchant accounts with MC/V/AE during these periods.

ADD: Irish besat me too - should have read the whole tread before posting

Re: Problem with New Quicksilver Card

Anonymous — Sat, 10 Oct 2015 17:19:48 GMT

@pipeguy wrote:
@Anonymous wrote:
@Anonymous wrote:

When we tried to check out, he was asked for his id (which I found odd since I've bought things with my credit card there and have never been asked). Anyway, after he showed his id, the clerk said the transaction was declined. Declined? He has never even used the card before--this would have been his first charge. The cashier tried it again but no go.

The cashier said he didn't know why it was declined and that my brother should contact Capital One. He wound up using his bank debit card to get the things he needed since he didn't have the time to hassle with them this morning.

I would have contacted Capital One on the spot and since he used his debit card, he longer gets th 1.5% cash back. Merchants are suppose to check customer IDs, otherwise people can use any card they steal. If they recognize you then that's okay.
Actually a merchant can NOT require a customer to show ID, it's against MC/V/AE merchant agreements (not sure about discover).

Sigh. This is the third duplicate answer. If I need a credit card zealot, I'll know where to find one.

Re: Problem with New Quicksilver Card

Anonymous — Sat, 10 Oct 2015 17:35:07 GMT

@Anonymous wrote:
@pipeguy wrote:
@Anonymous wrote:
@Anonymous wrote:

When we tried to check out, he was asked for his id (which I found odd since I've bought things with my credit card there and have never been asked). Anyway, after he showed his id, the clerk said the transaction was declined. Declined? He has never even used the card before--this would have been his first charge. The cashier tried it again but no go.

The cashier said he didn't know why it was declined and that my brother should contact Capital One. He wound up using his bank debit card to get the things he needed since he didn't have the time to hassle with them this morning.

I would have contacted Capital One on the spot and since he used his debit card, he longer gets th 1.5% cash back. Merchants are suppose to check customer IDs, otherwise people can use any card they steal. If they recognize you then that's okay.
Actually a merchant can NOT require a customer to show ID, it's against MC/V/AE merchant agreements (not sure about discover).
Sigh. This is the third duplicate answer. If I need a credit card zealot, I'll know where to find one.

Yes, forums work that way sometimes. But why were those answers needed? Oh yes, because YOU posted incorrect info. But lets blame others!

Re: Problem with New Quicksilver Card

Open123 — Sat, 10 Oct 2015 17:43:21 GMT

@ojefferyo wrote:
As long as he signed the back of the card. No signature means they can ask.

Right, if the card isn't signed (or, with the see ID & Mickey Mouse stuff), a Merchant is required to see a Gov't issued ID, and watch the person sign the card. Once the signature matches the ID, he may then proceed to accept the charge. In all my years, I've only seen one cashier handle this properly.

Amex doesn't have an ID policy, but stipulates that it must "align" with other payment processors. So, in an AMEX only Merchant, ID may be asked for and required for purchase, but never in an establishment that also accepts either Visa or MC.