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Didn't receive AA or have any cards declined today

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K-in-Boston
Credit Mentor

Didn't receive AA or have any cards declined today

@wasCB14 inspired this one.  Smiley Wink  I think it's a great lighthearted break from "cancel all of your XXXXX cards now" and "I heard YYYYY is a horrible lender."

 

So today I didn't receive AA from any of my lenders.  All of my cards worked as I would expect them to.  In fact I have rarely ever faced declines in decades of credit card use.  Has this happened to anyone else?

Message 1 of 49
48 REPLIES 48
NRB525
Super Contributor

Re: Didn't receive AA or have any cards declined today

I put a $14,000 charge on my AMEX over the weekend. $17,500 credit limit. Did not use Check Spending power beforehand.

Got a message on my watch a few seconds later that the charge was approved.
High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 2 of 49
calyx
Super Contributor

Re: Didn't receive AA or have any cards declined today

I don't have decades of use, but I have a lot of recently opened accounts, and they are all working fine.
All of my accounts are reporting balances, one of them up to 28%.   No AA.
In fact... it seems like the issuers want me to keep using them.

I even used my newest one to buy myself a snack at the contactless machine without a problem Smiley Wink

Happy practitioner of AZE7or8or9or10 | Team Finances > FICO
Message 3 of 49
wasCB14
Super Contributor

Re: Didn't receive AA or have any cards declined today

I did get my first declined charge from Amex a few weeks ago (after five years of regular use).

 

$11k for hardwood flooring, shipped to an address across town? Not a problem on Schwab.

$40k for taxes on a $13k BBP? Went through smoothly ~$10k at a time. (But it did result in a mysterious call from Amex a few days before the payment was due.)

 

But $200 in auto parts shipped to my home address? Apparently that was suspicious enough to decline my Schwab out of fraud concerns.

 

(A "1 if not fraudulent" reply text did let it go through on my second try.)

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select
Message 4 of 49
UncleB
Credit Mentor

Re: Didn't receive AA or have any cards declined today

I can report that the CSP I got back in February is still working exactly as advertised.  Smiley Wink

 

I put a single charge for close to $1k on my Propel last week (a large purchase for me) and it also went right though with no drama. Smiley Very Happy

Message 5 of 49
Remedios
Credit Mentor

Re: Didn't receive AA or have any cards declined today

No news since US Bank text.

I texted them a link to Nothing Compares 2U




Message 6 of 49
UncleB
Credit Mentor

Re: Didn't receive AA or have any cards declined today


@Remedios wrote:
No news since US Bank text.

I texted them a link to Nothing Compares 2U


ROFL!  I'm laughing so hard I'm hurting right now... smiley-laughing021.gif

Message 7 of 49
Remedios
Credit Mentor

Re: Didn't receive AA or have any cards declined today

 

🎵I could put my arms around every card I see
But they'd only remind me of you till AA
I went to the Bank and guess what they  told me?
Guess what they  told me?
They  said girl you better try not applying to have fun 
No matter what you do, but he's a non MF fool
'Cause nothing compares to AR
Nothing compares to AR
 
All the scores that you planted mama
In the sock drawer 
All CLDed  when you went away
I know that living without AR was sometimes hard
But I'm willing to give it another try (in 6 months) 🎵
Message 8 of 49
FinStar
Moderator Emeritus

Re: Didn't receive AA or have any cards declined today

Nothing major to report on my end as far as AA. All Chase, Citi, BoA, USB, 5/3, Huntington, Commerce, Capital One, Penfed, SYNCB, Comenity, Discover, TD Bank, Diners Club, AmEx, etc, etc., cards working as expected. My last Chase biz CC approval from February still works and the last 2 AmEx CC approvals from February are just peachy.

I had a declined transaction with NFCU using Samsung Pay on Sunday when using the More Rewards CC, but it turned out to be an issue on the backend, once the agent fixed it and I reloaded the card on mobile wallet, it worked as a charm.
Message 9 of 49
UncleB
Credit Mentor

Re: Didn't receive AA or have any cards declined today


@Remedios wrote:

 

🎵I could put my arms around every card I see
But they'd only remind me of you till AA
I went to the Bank and guess what they  told me?
Guess what they  told me?
They  said girl you better try not applying to have fun 
No matter what you do, but he's a non MF fool
'Cause nothing compares to AR
Nothing compares to AR
 
All the scores that you planted mama
In the sock drawer 
All CLDed  when you went away
I know that living without AR was sometimes hard
But I'm willing to give it another try (in 6 months) 🎵

Bravo!! Smiley Very Happy   worthy.gif

 

citizenkane.gif

Message 10 of 49
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