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03-13-2007, 08:45 AM
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#1 |
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Confirmed User
Join Date: Mar 2003
Location: Europe
Posts: 273
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Charge on Declined Credit Card
I went trough this already several times.
Trying to buy something online, get declined, but charge on my bank account shows up. WTF? I don't understand this.. Can someone explain why this happends? Thanks
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03-13-2007, 08:46 AM
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#2 |
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Writer
Industry Role:
Join Date: Feb 2007
Posts: 3,123
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theyre just trying to steal again.
bastards.
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03-13-2007, 08:47 AM
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#3 |
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Confirmed User
Join Date: Nov 2005
Posts: 770
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it may be an authorization? check back in 48 hours and see if the charge is still there
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03-13-2007, 08:47 AM
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#4 |
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Pounding Googlebot
Industry Role:
Join Date: Aug 2002
Location: Canada
Posts: 34,482
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If the charge is appearing, tell the merchant. Your entitled to a refund or the product. If they ignore you, you're entitled to chargeback.
WG
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I play with Google. |
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03-13-2007, 08:49 AM
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#5 |
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Confirmed User
Join Date: May 2006
Posts: 6,511
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that happend to me with epass visa..
now the company has to contact your bank or something..
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03-13-2007, 11:26 AM
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#6 | |
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Confirmed User
Join Date: Mar 2003
Location: Europe
Posts: 273
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Quote:
if the CC is declined... It does not make any sense...
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03-13-2007, 11:44 AM
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#7 |
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Confirmed User
Join Date: Jan 2005
Location: Costa Rica
Posts: 186
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yah i hate that. at certain stores here in costa rica, when i try to use my credit card, it's declined, and i KNOW the money is there. and when i go home to check online banking, the auth is shown there. it gets cancelled within a few hours though
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03-13-2007, 12:00 PM
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#8 |
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Confirmed User
Join Date: Jan 2004
Posts: 2,052
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It's because your Bank approved the transaction but the merchant's
processor/gateway declined it. This could be because your bank required a voice authorization, the address didn't match or some other reason. Most merchants just decline voice authorizations. The charge/authorization should drop off after 3 business days but some banks keep them there for 10 on debit cards.
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03-13-2007, 12:03 PM
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#9 |
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Webmaster Extraordinaire
Industry Role:
Join Date: Jul 2002
Location: A beautiful beach...
Posts: 10,748
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they are probably holding the funds. Once the charge does not go thru in 3 days, the money is released into your bank account again.
It has happened to me before, it's upsetting but nothing to worry about. |
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