A little change of pace today, if you don't mind indulging me.
We've had a Chase VISA card for going on some umpteen years - i.e. FOREVER. We always pay the balance each month, never pay late, and use our card a lot, so you can't tell me Chase isn't making money off our business through the fees they're charging the companies that accept our card.
So I would welcome any explanation that makes sense of why, over the past two years, our card has been declined - on a regular basis. We're not even remotely close to our credit limit. I won't bore you with the details, but let me tell you the declined charges have caused a great deal of embarrassment to such boringly solid citizens as ourselves. It's a good thing for us that my husband carries an American Express card through his office.
This declining purchases thing happened last fall, when I foolishly ventured out-of-state to help my daughter move her belongings to grad school. I happened again this past April, when we once again - foolishly, it seems - went to visit her. It happened again last week, when I was buying some bathroom items for our renovation project. It happened again today. Each time I call, they clear the card and apologize - weakly - but then it happens again. When I called today to complain, the woman on the line said, "We're just looking out for you." Yeah, right. Since Chase is on the hook for purchases made on stolen cards, if you buy that, I have a bridge I can sell you cheap.
I'm forced to conclude that Chase no longer wants our business. Perhaps since we don't rack up huge finance charges we're not worth their while.
What I'm curious to hear is, are other people experiencing this kind of harassment? From Chase - or from other banks? Is this some new form of customer disservice we can expect to see more of in the future? Why bother to issue credit cards if you don't want to allow people to use them?