Styleforum › Forums › General › General Chat › Banking for Idiots
New Posts  All Forums:Forum Nav:

Banking for Idiots

post #1 of 8
9/30/09 at 8:52pm
Thread Starter 
Alright, so after talking to my bank there is indeed a pending transaction for an item I want initiated by the merchant. The merchant e-mails me and told me my card has been declined 3-4 times. The bank tells me that the money should go through by tomorrow. This store has a reputation for legendary customer service so I don't think they're trying to hustle me. I'm confused has anyone ever been in this kind of situation before?
Reply
Reply
post #2 of 8
9/30/09 at 10:03pm
Is this a credit card transaction? If so, the card issuer would normally put a note on your account to manually approve this specific transaction. In any case, when it comes to credit cards, there is not much the merchant can do to facilitate the approval. Unless they are getting a "Call for authorization" response when trying to charge your card and they just threat it as a "Declined" due to lazyness, incompetence, etc.
Reply
Reply
post #3 of 8
9/30/09 at 10:26pm
Thread Starter 
Quote:
Originally Posted by Dmax View Post
Is this a credit card transaction? If so, the card issuer would normally put a note on your account to manually approve this specific transaction.
In any case, when it comes to credit cards, there is not much the merchant can do to facilitate the approval. Unless they are getting a "Call for authorization" response when trying to charge your card and they just threat it as a "Declined" due to lazyness, incompetence, etc.
It's a debit.
Reply
Reply
post #4 of 8
10/1/09 at 6:34pm
Quote:
Originally Posted by TyCooN View Post
It's a debit.
Not sure what's going on then. The approval for Debit card transactions is usually only done electronically, there no call in option. You punch your pin into the machine which then displays approved or denied. Were you in the store swiping your card yourself 3 or 4 times? If you received denied you should question your bank why they denied the transaction. Make sure you were not trying to "cash out" when purchasing your item as you may have hit your daily cash withdrawal limit and caused the whole transaction to be denied.
Reply
Reply
post #5 of 8
10/3/09 at 3:54pm
Thread Starter 
If I don't live within the vicinity of a local bank, out of state, would I be able to hold membership with them?
Reply
Reply
post #6 of 8
10/3/09 at 6:46pm
Quote:
If I don't live within the vicinity of a local bank, out of state, would I be able to hold membership with them?
yes for your first Q, the situation sounds weird but i would go with what your bank says
Reply
Reply
post #7 of 8
10/3/09 at 8:08pm
About 6 months ago I had 3 cards declined at an automated parking garage several times each. I inserted the 1st card like 5X and deny, deny, deny... so I put in a 2nd card, denied. I inserted the 3rd card and denied. WTF!?! I had no idea what the hell was going on because I had plenty of money in the 1st (debit account) to cover the $30 and was nowhere near my limits on the CCs. This was right after a theater performance and I'm one of those people that gets out of dodge just as the applause is coming to a close (so I can beat all the other schmucks in line at the parking garage). So here's a lobby full of people waiting to leave, and my date!, watching me fumble through my wallet getting these cards declined. I feel myself starting to turn a little red in the face from both anger and humiliation when finally, the 1st card went through. I have learned to carry a bit of cash on me at all times. I still have no idea what happened there.
Reply
Reply
post #8 of 8
10/4/09 at 9:23pm
Thread Starter 
Quote:
Originally Posted by Faded501s View Post
About 6 months ago I had 3 cards declined at an automated parking garage several times each. I inserted the 1st card like 5X and deny, deny, deny... so I put in a 2nd card, denied. I inserted the 3rd card and denied. WTF!?! I had no idea what the hell was going on because I had plenty of money in the 1st (debit account) to cover the $30 and was nowhere near my limits on the CCs. This was right after a theater performance and I'm one of those people that gets out of dodge just as the applause is coming to a close (so I can beat all the other schmucks in line at the parking garage). So here's a lobby full of people waiting to leave, and my date!, watching me fumble through my wallet getting these cards declined. I feel myself starting to turn a little red in the face from both anger and humiliation when finally, the 1st card went through. I have learned to carry a bit of cash on me at all times. I still have no idea what happened there.
Did you make her pay for your food?
Reply
Reply
New Posts  All Forums:Forum Nav:
  Return Home
  Back to Forum: General Chat
Styleforum › Forums › General › General Chat › Banking for Idiots