Capital One/ Credit Card - my husband was at the Emergency Room at the hospital. CARD DECLINED (with $22K credit available).

Capital One/ Credit Card - my husband was at the Emergency Room at the hospital. CARD DECLINED (with $22K credit available).

Capital One/ Credit Card

From the first day I received the Go Miles card and decided to use it (July 6, 2004), Capital One activated its “fraud prevention” program by preventing the usage of the card. I was switching my recurring payments to the Capital One card. Something I thought they would welcome. Next, my husband was at the Emergency Room at the hospital. CARD DECLINED (with $22K credit available). I was not able to use this card until placing a call, wait 20 minutes, and found out … “OH, the system thinks it may be fraudulent and put a hold on the account. It’s for your protection.” Yeah right! Let’s be honest, this is protecting Capital One first and foremost.

Yesterday (August 28, 2004), a normal weekend, my husband and I went out shopping for the home. First store, less than $100, okay, no problem.

Next store, $32.37, okay, no problem.

Store #3, $113.61, DECLINED (available credit $20K)

Can someone explain this? Did we have a daily limit of $200?? In less than two months of having this card, we were DECLINED three times. THERE IS A BIG DIFFERENCE BETWEEN FRAUD PREVENTION AND USAGE PREVENTION. It was fortunate that we carried another credit card (CitiBank) that never gave us this kind of problems for over ten years. And they advertise as a NO HASSLE CARD??? WHAT A JOKE!!! I realized it was useless for me to call and yell at the Customer Service Representatives, because they certainly did not program the system, they did not create this ridiculous policy. More importantly, I highly doubt Capital One would care to change this policy, because protecting their bottom-line is certainly more important than the hassles and embarrassment their customers are going through. Veronica S

Veronica S

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