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Visa Tranaction Suspended for Unusual Activity

A Company that I ordered (phone call) a power cord from notified me that when they charged my Visa credit card, the charge was rejected. My Bank also notified me that the Visa card tranasaction was suspended because of "Unusual Credit Card Activity”.

The Bank said "We detected unusual activity on your credit card. For your protection, please verify this activity so you can continue making credit card transactions without interruption”.

I immediately called my Bank and approved the transaction. For security purposes, it seems, Visa suspends transactions from company’s that you have not purchased from before. I did not know this but I do support the policy. It is a good security protection from fraudulent uses.

I wish I had know above it before so I could call Visa to approve the purchase transaction before I made it.

Has anyone else experienced a transaction suspended for unusual credit card activity?
hgeifman

Showing 1 response by kijanki

kijanki's avatar
kijanki
4,453 posts
 
American Express is not blocking my large transactions but rather sends me warning email. Recently I purchased Furnace, AC etc for $11k - no problem, only warning message. American Express is also better than Citibank Visa in foreign travel. Visa requires me to call them (otherwise card does not work), while American Express traces pattern of purchase like Airport, another Airport one town then next town instead. Credit Companies protect themselves since I'm not responsible for unauthorized charges as long as I haven't lost my card. Some companies make it very difficult for user suspending any "suspicious" transactions sometimes going too far.

Kjweisner, you would not be responsible for those charges anyway - no need to be grateful to anybody.
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