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It was my birthday on Saturday and Martin bought me an Olympus E3 - then had to tell me that it was actually his! He had ordered it in plenty of time but his bank had decided that the payment may be fraudulent and cancelled it, without letting him know. Just wonder if he would have admitted it if he hadn't forgotten to put the instruction book back in the box (well I am female and we do tend to read them!).
I've had my debit card declined in the supermarket before now for the same reason, very embarrassing in a long queue!
The day did get better though, he threw me a surprise party, aided and abetted by the kids, and managed to get me to a hall beautifully decorated and full of family and friends without me having the first idea what was going on. A big thank you to all of them for making reaching the age where I get a bus pass a wonderful experience.
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The Banks & Credit card companies are all tightening up on security, This is one of the side effects of such actions, Unfortunately....
However its a whole lot better than getting ripped off, So I guess its an inconvenince we will all have to bare with....
Belated happy birfday to you.....Shame it was not a D3.....
I had my card declined when paying for my late husbands funeral. The reason - unusual spending pattern, lol. Can laugh about it now but very traumatic at the time.
ps belated happy birthday
Well, I for one am happy that the banks are taking a tougher stance. Recently, I discovered that my card was blocked and phoned the bank to enquire why. Turned out that there were some dodgy transactions that were nothing to do with me. The bank were on it so quickly that the total loss was a mere £200 - all of which they will refund. I now have a new card and a resolution to be more careful with it when I order stuff online....
Me too, I had my credit card stopped whilst in China a couple of years back. There were two transactions for £1 had appeared on my account which I was told was usually the precourser to something larger and was the usual way of testing to see if anyone noticed. I didn't even lose the £2.
I had mine stopped about a year ago. After checking someone had got hold of my details and bought £2200 of car insurance and 2 £30.00 Orange pay as you go top ups!
It would appear that they cloned my card and tried it by making a donation to a charity shop but it failed so they went online.
ps, got all the money back.
A colleague at work had some fraudulent expenditure on his debit card. Recognising this extra spending his bank increased his overdraft limit!
Part of the problem is that the system is setup and controled centrally, not by your local bank. It used to be if you were going to spend a lot you'd pop in and have a chat with your local bank manager and if you were going to touch your overdraft again you'd be in to talk to them about it (or they would request you come talk to them first).
These days its all dealt with by people you never see - so odd spending habbits are even harder to notice.
Try this :-
Book a flight, hire car and Hotel on line witihn 10 mins - card restricted- 3 internet transactions in quick succession.
Land in Budapest, drive to Romania, spend the day there, then travel to Slovakia - card restricted - transactions from multiple countries
But....... have had 3 occasions of fraud covering about £1200 (which they covered) so I always carry a spare card incase I find it cancelled when I'm rushing to check out of a hotel at some unearthly hour to catch a flight and find it cancelled, and they are getting pretty good at calling me to check where I am if they see something suspicious and can re-activate immediately.
i guess its worth the inconvenience if it protects you from fraud ultimately...IMHO nothing beats cash in hand at the end of the day..what you dont have you wont spend
I always tell my bank if and where I'm travelling to abroad and for how long. Not had a problem abroad.
ps, unless that's where my card was cloned?
Quote: I guess its worth the inconvenience if it protects you from fraud ultimately...IMHO nothing beats cash in hand at the end of the day..what you dont have you wont spend
Unfortunately in the UK Cash is not that good in places, very difficult to buy online as well
Quote: Unfortunately in the UK Cash is not that good in places, very difficult to buy online as well
Its getting like that here in India as well slowly and steadily .....though the concept of a Debit card is more popular...
I had a telephone transaction declined for similar reason the Bank explained it as a ' High Risk Vendor' in other words they had had numerous complaints re the business I was attempting to transact with, with respect to unautorised payment requests.................the business?...........................very very large mobile phone company!!
If so, I'm not surprised, they seem to be the most prevalent of the complaints I've seen for test transactions before the fraudsters go for a big one.
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