topic Re: BofA declines charges, but Hyatt will do! in Credit Cards

BofA declines charges, but Hyatt will do!

wasCB14 — Thu, 02 Apr 2020 02:45:02 GMT

Before going to bed last night, I ordered a big box of replacement water filters on Amazon. It was after midnight early on April 1, so I went onto BofA's website and moved my new WWF Cash Rewards card from Travel (Uber Eats) to Online Shopping as the chosen category. I designated the card as my method of payment, bought the filters, and went to bed. The estimated arrival date was April 22, which Amazon said took into account high demand for higher-priority products. Not a problem for me...I could wait a few weeks.

In the morning I saw a card-not-present transaction alert for my Chase Hyatt card. BofA declined the charge, as they did when I tried to add the card to my Uber profile on the 28th or so and when I tried to add it to Apple Pay. I had managed to use the physical card at Costco on the 31st so I figured it didn't have any security issues remaining. Even though I've had other "default payment option" cards on Amazon and haven't used Hyatt there in ages, Amazon somehow picked the Hyatt card to charge.

I was a little bummed that I'd be earning Hyatt points (of which I do not need any more!) instead of 5.25% cash back, so I briefly thought about cancelling the order and placing a new one. After all, it wasn't supposed to arrive for three weeks. I looked at the filter page...and saw they were now totally sold out and didn't know when they would be getting more. The estimated delivery for my order is still April 22.

So I guess I'll be leaving the order in place and taking those Hyatt points after all! I do hope the BofA declines stop, though.

Re: BofA declines charges, but Hyatt will do!

elixerin — Thu, 02 Apr 2020 03:15:01 GMT

eek, considering you have 100k+ in assets/cash sitting with them i'd be a tiny bit more annoyed on the decline (not so much the points)... why did they? Esp. an amazon charge...

on the bright side, im sure every air fare/travel lodging company will be doing flash sales as soon as traveling becomes a thing again so you will most likely be able to find and make use of the hyatt points eventually

Re: BofA declines charges, but Hyatt will do!

wasCB14 — Thu, 02 Apr 2020 04:08:50 GMT

@elixerin wrote:
eek, considering you have 100k+ in assets/cash sitting with them i'd be a tiny bit more annoyed on the decline (not so much the points)... why did they? Esp. an amazon charge...

on the bright side, im sure every air fare/travel lodging company will be doing flash sales as soon as traveling becomes a thing again so you will most likely be able to find and make use of the hyatt points eventually

They insisted they didn't decline anything, but I have my doubts since Apple Pay, Uber, and Amazon couldn't take the card rather than just one. I'll use it the next time I buy something online. After the call, I was able to add it tonight to Uber Eats for an order, as well as to Apple Pay.

The rewards are good at Platinum Honors, but the customer service is still short-staffed. Even before coronavirus, the shortest time I've ever waited for a rep was about 15 minutes. Longest estimate was 50 minutes (I eventually figured out what I needed via the app while waiting). And that's with the system recognizing PH...but $100k is peanuts compared to what other banks require for their premium customer service tiers.

Re: BofA declines charges, but Hyatt will do!

elixerin — Thu, 02 Apr 2020 04:16:32 GMT

@wasCB14 wrote:
@elixerin wrote:
eek, considering you have 100k+ in assets/cash sitting with them i'd be a tiny bit more annoyed on the decline (not so much the points)... why did they? Esp. an amazon charge...

on the bright side, im sure every air fare/travel lodging company will be doing flash sales as soon as traveling becomes a thing again so you will most likely be able to find and make use of the hyatt points eventually
They insisted they didn't decline anything, but I have my doubts since Apple Pay, Uber, and Amazon couldn't take the card rather than just one. I'll use it the next time I buy something online. After the call, I was able to add it tonight to Uber Eats for an order, as well as to Apple Pay.

The rewards are good at Platinum Honors, but the customer service is still short-staffed. Even before coronavirus, the shortest time I've ever waited for a rep was about 15 minutes. Longest estimate was 50 minutes (I eventually figured out what I needed via the app while waiting). And that's with the system recognizing PH...but $100k is peanuts compared to what other banks require for their premium customer service tiers.

Dang, thanks for the share.. 15 mins on call and no messenger tool must be an annoyance. True on the tier bit, namely Schwab's $1,000,000 holdings yearly Platinum statement credit xD

Re: BofA declines charges, but Hyatt will do!

UncleB — Thu, 02 Apr 2020 04:27:01 GMT

@wasCB14 wrote:
Before going to bed last night, I ordered a big box of replacement water filters on Amazon. It was after midnight early on April 1, so I went onto BofA's website and moved my new WWF Cash Rewards card from Travel (Uber Eats) to Online Shopping as the chosen category. I designated the card as my method of payment, bought the filters, and went to bed. The estimated arrival date was April 22, which Amazon said took into account high demand for higher-priority products. Not a problem for me...I could wait a few weeks.

In the morning I saw a card-not-present transaction alert for my Chase Hyatt card. BofA declined the charge, as they did when I tried to add the card to my Uber profile on the 28th or so and when I tried to add it to Apple Pay. I had managed to use the physical card at Costco on the 31st so I figured it didn't have any security issues remaining. Even though I've had other "default payment option" cards on Amazon and haven't used Hyatt there in ages, Amazon somehow picked the Hyatt card to charge.

I was a little bummed that I'd be earning Hyatt points (of which I do not need any more!) instead of 5.25% cash back, so I briefly thought about cancelling the order and placing a new one. After all, it wasn't supposed to arrive for three weeks. I looked at the filter page...and saw they were now totally sold out and didn't know when they would be getting more. The estimated delivery for my order is still April 22.

So I guess I'll be leaving the order in place and taking those Hyatt points after all! I do hope the BofA declines stop, though.

Go to your order on the Amazon site and see if it will let you change the payment method on the existing order.

It's been a while but I've successfully done this before (but always right after placing the order). If that doesn't work doing a chat with Amazon customer service might also work.

Re: BofA declines charges, but Hyatt will do!

wasCB14 — Thu, 02 Apr 2020 04:41:58 GMT

@UncleB wrote:
Go to your order on the Amazon site and see if it will let you change the payment method on the existing order.

It's been a while but I've successfully done this before (but always right after placing the order). If that doesn't work doing a chat with Amazon customer service might also work.

I didn't see the option on the website this morning (nor do I see it now), and it's now been ~21 hours since I placed the order. It's been a few years since I've tried to change the payment method on an existing order.

I don't want to involve a human because a human might do something weird (like cancel the order in its entirety). While I can buy the filters elsewhere with a similar delivery time, I got a pretty good volume discount from Amazon I don't want to lose.

Re: BofA declines charges, but Hyatt will do!

Anonymous — Thu, 02 Apr 2020 16:53:38 GMT

I think once they actually charge the card, you cannot change the payment method. That's only for pending orders i believe.

You might check to see if all the info for the BoA card is up to date though, if something if off Amazon will change to another card in the lineup. If everything is accurate, then the issue has to be on BoA's end. I would probably call them and inform them that your card keeps getting declined at *locations*, and if it continues then there's no use in keeping said card.