CCBill declines, failed rebills Question

[ed_banger]

Part of the Credit card processing trouble is with peoples limits being cut back due to the credit crunch... but with the increasing awareness of identity theft, more banks are declining or stopping transactions that are "outside the norm" of users personal spending habits.


I was on a road trip across the country, and we used a credit card to fill up in Minneapolis, then in Des Moines Iowa, then again in Nebraska, by the time we hit Colorado, the card was being declined at the pump. Got a call from back home, and Citibank had left a voicemail on the machine at home saying that they've suspended the credit card due to it possibly being stolen. A call to citibank and yelling at their customer service got the card re-activated.


I've had my debit card declined when ordering items online, even though I have plenty of funds in my account. Ordered a laptop from Apple, an external hard drive from Newegg, ram from crucial, then ordered some performance car parts from europe, all in the same day. Had to use a different card to order the $50 ram from crucial because it was being declined... got a call from the bank the next day asking about possible fraudulent/stolen card activity. (It was the car parts from the european processor, that flagged the card).


With paysites and processors being international, and more people using visa/mastercard DEBIT cards more often, banks are a little more hesitant to authorize abnormal charges.