Card Declined when it shouldn't

eddddy

Did you specifically ask Santander if they (Santander) had declined the transaction...

... or whether the transaction request never reached them?

Whenever I phone a CC company about a declined transaction, they have immediate access to a list of any transactions they've declined on my account, and can tell me the reason straight away.


Obviously, they're less able to help if the transaction never reached them.

JimmyTheWig

rtho782 wrote: »

It's not quite rubbish.

Lets say your credit limit is £1000.

You spend £900, and on the 1st Jan your statement is generated, payment by the 23rd Jan. You clear the balance every month, so the direct debit will pay off all £900.

The Direct Debit will not come out until 23rd Jan...

I wonder if molerat mis-read it the same as I did first off. I read that Santander were saying that in your example above if you made a manual payment to clear your balance on the 10th Jan then it wouldn't be applied until the 23rd Jan.
Which is rubbish.
But not what Realist_49 was saying.

molerat

Either OP does not understand how credit cards work and is exceeding their credit limit which would be obvious by a 10 second check on line and the Santander CS would have explained that or the CS was talking !!!!!!!!.

rehanmalik3030

manuel_ritz wrote: »

The best thing to do is call their customer service to address the issue. Things like that shouldn't be tolerated because its very embarrasing.

As it says in the Great Book Proverbs 22:7 :

"The rich rule over the poor, and the borrower is slave to the lender."

As a "slave" you should not feel embarrassed.

Pincher

Genesis 22:14 "the LORD will provide"


I wonder if the Vatican Bank issues credit cards?


Cool ranking:


Vatican Yahweh-Yireh card
Amex Centurion Black card
Coutts credit card