topic Conmenity declines/Target breach in Credit Cards

Conmenity declines/Target breach

IgnatiusReilly — Fri, 20 Dec 2013 03:03:54 GMT

Went to use my Sportsman's Visa and it was declined. Called CS and apparently they cancelled my card because of the Target breach. I don't know how far reaching the cancellations are but I feel for people getting declined six days before Christmas... especially if they don't have another form of payment.

Re: Conmenity declines/Target breach

FinStar — Fri, 20 Dec 2013 03:10:27 GMT

@IgnatiusReilly wrote:
Went to use my Sportsman's Visa and it was declined. Called CS and apparently they cancelled my card because of the Target breach. I don't know how far reaching the cancellations are but I feel for people getting declined six days before Christmas... especially if they don't have another form of payment.

It appears it was a widespread issue so Comenity like any other lender is taking precautions by preventing any compromised accounts from being used. Sure, it's an inconvenience especially during the heavy holiday shopping season but better safe than sorry. That's why lots of individuals prefer to have a second form of payment in the event one doesn't go through for whatever reason. Life happens.

Re: Conmenity declines/Target breach

myjourney — Fri, 20 Dec 2013 03:13:13 GMT

Discover had a notice when I signed in basically saying they have been notified by Target and watching all clients credit for safety as a result

Re: Conmenity declines/Target breach

longtime_lurker — Fri, 20 Dec 2013 03:51:35 GMT

Ouch, I feel bad when I watch people's card get decline and they struggle to buy something.

...granted I work at a business oriented hotel, and I've swiped like 7 Centurion cards...but some people really panic when the word says DECLINED. I had 1 Centurion decline on me...and it really was declined.. LOL

Re: Conmenity declines/Target breach

TiggerDat — Fri, 20 Dec 2013 09:49:33 GMT

@longtime_lurker wrote:
Ouch, I feel bad when I watch people's card get decline and they struggle to buy something.

...granted I work at a business oriented hotel, and I've swiped like 7 Centurion cards...but some people really panic when the word says DECLINED. I had 1 Centurion decline on me...and it really was declined.. LOL

So looking at your cards, I have to ask.... Do you work at a hotel near the Red Cedar River? If so do you ever go to Campbell's smoke shop? It is a great place to find gifts such as pipes and cigars this time of year. If you no longer live in EL, then I understand! Do you like El Ez? I like to eat there when I am in Michigan, but only once on every trip, well maybe twice. The topopo salad and the nachos are great!

Re: Conmenity declines/Target breach

Anonymous — Fri, 20 Dec 2013 11:18:11 GMT

@IgnatiusReilly wrote:
Went to use my Sportsman's Visa and it was declined. Called CS and apparently they cancelled my card because of the Target breach. I don't know how far reaching the cancellations are but I feel for people getting declined six days before Christmas... especially if they don't have another form of payment.

that's not good. I just placed an order at VS and my card went through, but it was a very small order with lots of coupons that they sent me. It went through fine. I wonder if it's because it's a store card and not one that I could have possibly used at Target. I hope they aren't going to cancel every one's accounts.

Re: Conmenity declines/Target breach

TiggerDat — Fri, 20 Dec 2013 11:24:00 GMT

@IgnatiusReilly wrote:
Went to use my Sportsman's Visa and it was declined. Called CS and apparently they cancelled my card because of the Target breach. I don't know how far reaching the cancellations are but I feel for people getting declined six days before Christmas... especially if they don't have another form of payment.

I think they closed it because it was certainly one of the numbers at risk. I called my bank because my card was used at Target and they told me that Target was trying to identify the real risk still. Some of the 40M numbers were actually not stolen and they are still trying to figure out which were. They might have already identified some of them already. Yours might be on that list. Sorry if this is really a problem. I think they should have issued cards to replace the ones that were stolen, but waited until they were received to cancel the other card. A nice friendly phone call would have been a pleasant way to let you know and get prepared for it. I for one, am glad for fraud protection.

Re: Conmenity declines/Target breach

FinStar — Fri, 20 Dec 2013 14:46:46 GMT

@Anonymous wrote:
@IgnatiusReilly wrote:
Went to use my Sportsman's Visa and it was declined. Called CS and apparently they cancelled my card because of the Target breach. I don't know how far reaching the cancellations are but I feel for people getting declined six days before Christmas... especially if they don't have another form of payment.
that's not good. I just placed an order at VS and my card went through, but it was a very small order with lots of coupons that they sent me. It went through fine. I wonder if it's because it's a store card and not one that I could have possibly used at Target. I hope they aren't going to cancel every one's accounts.

@Using your VS card @ VS would have nothing to do with the breach (unless you were using a major CC at VS, but by this point it would have been restricted if it was affected by the breach). This mainly impacted major CCs used at Target including some of their Target CCs

Re: Conmenity declines/Target breach

MASTERNC — Fri, 20 Dec 2013 15:51:19 GMT

I had the same issue with PenFed a few years back. I was on my way out of town for Christmas and tried to buy something on the way but the card was declined. Only after calling PenFed did I find out someone had tried to spend $600 at a NYC pharmacy. I would definitely have appreciated a proactive phone call. To make matters worse they would not expedite me a new card to my destination. Thankfully I did have a backup credit card.

Re: Conmenity declines/Target breach

IgnatiusReilly — Fri, 20 Dec 2013 15:58:17 GMT

After calling CS, I think Benhardtra is right. I shopped at Target twice in the last month so my info was at risk. It was really surprising to have the card declined though and a source of some good natured teasing from my friends.

Re: Conmenity declines/Target breach

injustifiiable — Fri, 20 Dec 2013 16:47:32 GMT

I just went to look into my Sportsman's account. Available credit is now $0...looks like they closed mine too.

Did they tell you if they were sending out another card with a new number?

ETA: Looks like they did reissue...last 4 digits are different. Great.

Re: Conmenity declines/Target breach

longtime_lurker — Fri, 20 Dec 2013 17:05:50 GMT

@bernhardtra wrote:
@longtime_lurker wrote:
Ouch, I feel bad when I watch people's card get decline and they struggle to buy something.

...granted I work at a business oriented hotel, and I've swiped like 7 Centurion cards...but some people really panic when the word says DECLINED. I had 1 Centurion decline on me...and it really was declined.. LOL

So looking at your cards, I have to ask.... Do you work at a hotel near the Red Cedar River? If so do you ever go to Campbell's smoke shop? It is a great place to find gifts such as pipes and cigars this time of year. If you no longer live in EL, then I understand! Do you like El Ez? I like to eat there when I am in Michigan, but only once on every trip, well maybe twice. The topopo salad and the nachos are great!

Haha I do work at one of the hotels near the Red Cedar - I'm still a student lol. El Azteco is AMAZING. The nachos are so huge...

Re: Conmenity declines/Target breach

IgnatiusReilly — Fri, 20 Dec 2013 17:57:25 GMT

Injustifiable: No, they did not contact me and although I am not really happy about that, I understand that due to the scale of the breach it might have been a challenge to figure out who to cancel and contact. Also, having a message explaining the situation when one calls CS would have saved me 25 minutes...

Re: Conmenity declines/Target breach

injustifiiable — Fri, 20 Dec 2013 18:58:02 GMT

@IgnatiusReilly wrote:
Injustifiable: No, they did not contact me and although I am not really happy about that, I understand that due to the scale of the breach it might have been a challenge to figure out who to cancel and contact. Also, having a message explaining the situation when one calls CS would have saved me 25 minutes...

I tried to call in during lunch to see what the deal was. Apparently, they have an automated message up now saying that the cards would be shipped today the 20th and tomorrow. Still, it would've been nice if they sent an email or called. I was planning on using that card this weekend for something.

Oh well.

Re: Conmenity declines/Target breach

Anonymous — Fri, 20 Dec 2013 20:18:33 GMT

@IgnatiusReilly wrote:
Injustifiable: No, they did not contact me and although I am not really happy about that, I understand that due to the scale of the breach it might have been a challenge to figure out who to cancel and contact. Also, having a message explaining the situation when one calls CS would have saved me 25 minutes...

I guess they are doing this so they use noi money due to the breach since they cannot hold you responsible for fraud spending