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  • FIRST POST
    • XtraGamer
    • By XtraGamer 18th Oct 19, 3:42 PM
    • 5Posts
    • 0Thanks
    XtraGamer
    Credit card declined after use?
    • #1
    • 18th Oct 19, 3:42 PM
    Credit card declined after use? 18th Oct 19 at 3:42 PM
    Good Afternoon all,

    I recently applied and received a credit card from Virgin. We're using it for a holiday so I booked the holiday yesterday which went through as a pending transaction.

    Today after trying to book a train ticket it was declined and I got a message from the Virgin Security check team. They asked me several questions I had already answered about how much my mortgage is etc. and then said this info would be sent to the underwriters and I should hear from them in a few days.

    My question is, what will happen to the pending transaction of the holiday? Is there anyway it can be stopped? I assume Virgin can lower my credit limit (I've done about 60% of it so far) and potentially make it so I cannot put anything else on the credit card. If that's the case, it's not the end of the world. But as my holiday is in two weeks I'm a little worried incase there's a possibility that they could somehow cancel the transaction.

    I might be over worrying but I haven't heard of someone receiving a card before and then it being completely cancelled if that's the case here!

    Any help would be greatly appreciated.
Page 1
    • born again
    • By born again 18th Oct 19, 4:34 PM
    • 650 Posts
    • 342 Thanks
    born again
    • #2
    • 18th Oct 19, 4:34 PM
    • #2
    • 18th Oct 19, 4:34 PM
    Not sure why the security team would pass info on to underwriters.

    Sounds like a simple security check. Holiday booked and then train ticket. Common fraud pattern.

    If the transaction is pending, then Virgin have approved it. The only people who can stop it are the holiday co. Contact holiday co and get them to confirm the booking.
    • Ben8282
    • By Ben8282 18th Oct 19, 5:08 PM
    • 4,052 Posts
    • 2,225 Thanks
    Ben8282
    • #3
    • 18th Oct 19, 5:08 PM
    • #3
    • 18th Oct 19, 5:08 PM
    Agree wit the above.
    The security check seems reasonable enough (although perhaps annoying) and the questions asked reasonable enough to confirm your identity by checking the answers matched the answers given on your application. But why the security team would be referring anything to underwriters is beyond me.
    Why do you assume Virgin will lower your credit limit?
    If Virgin have approved the holiday transaction then you will have your holiday. It will go through.
    Your bigest problem will be if Virgin determine that your application was somehow fraudulent and completely cancel the card and ask for immediate repayment of the outstanding balance as I feel may well be the case if the black was not lifted after the security check..
    Last edited by Ben8282; 18-10-2019 at 5:11 PM.
    • Terry Towelling
    • By Terry Towelling 18th Oct 19, 8:56 PM
    • 2,099 Posts
    • 1,745 Thanks
    Terry Towelling
    • #4
    • 18th Oct 19, 8:56 PM
    • #4
    • 18th Oct 19, 8:56 PM
    The 'pending' transaction will sit on your account until the holiday company clears the transaction and your account is debited properly.

    I don't know why you should think that your card account will be cancelled or your credit limit reduced - neither do I understand at all what the reference to 'underwriters' means.

    What did you do about the train ticket in the end? Have you tried to order it again? If Virgin has already asked you their security questions and you answered them correctly, you should be OK to go ahead with the transaction again.

    Why don't you call them up again and get them to clarify what on earth they were on about, and find out whether your account was blocked or whether it was simply a declined transaction.

    Virgin are the only people who can really tell you what is going on.
    • XtraGamer
    • By XtraGamer 18th Oct 19, 10:45 PM
    • 5 Posts
    • 0 Thanks
    XtraGamer
    • #5
    • 18th Oct 19, 10:45 PM
    • #5
    • 18th Oct 19, 10:45 PM
    Thanks all for your replies. To answer your questions...

    The idea that my card will be cancelled or credit limit lowered is purely speculation. I don't have much experience with credit cards so not really sure what the norm is. I would agree that they thought it was fraudulent activity but why they're telling the underwriters stuff is what alarmed me.

    I have a receipt from the holiday that it went through so that is good. I did try calling again but the correct department was, naturally, shut until Monday. My account is still for the time being frozen so cannot make any payments. Luckily I was able to pay for the train via my normal debit card!
    • gionnetto
    • By gionnetto 20th Oct 19, 2:48 PM
    • 213 Posts
    • 38 Thanks
    gionnetto
    • #6
    • 20th Oct 19, 2:48 PM
    • #6
    • 20th Oct 19, 2:48 PM
    I recently applied and received a credit card from Virgin. We're using it for a holiday so I booked the holiday yesterday which went through as a pending transaction.

    Today after trying to book a train ticket it was declined and I got a message from the Virgin Security check team.
    Originally posted by XtraGamer
    I have a CC with Virgin. Your first transaction cannot be done online, nor can it be done contactless - no matter the amount. First transaction needs to be done face to face and your PIN needs to be used. After you've done that, you'll be all good.
    Your cholesterol levels are not seen, or used, by your heart and arteries, so ignore it.
    .
    • HampshireH
    • By HampshireH 20th Oct 19, 4:02 PM
    • 1,866 Posts
    • 2,445 Thanks
    HampshireH
    • #7
    • 20th Oct 19, 4:02 PM
    • #7
    • 20th Oct 19, 4:02 PM
    I have never used my Virgin CC face to face or by using my pin. All my transactions have been over the phone or online.
    • gionnetto
    • By gionnetto 20th Oct 19, 8:26 PM
    • 213 Posts
    • 38 Thanks
    gionnetto
    • #8
    • 20th Oct 19, 8:26 PM
    • #8
    • 20th Oct 19, 8:26 PM
    I have never used my Virgin CC face to face or by using my pin. All my transactions have been over the phone or online.
    Originally posted by HampshireH
    When I got my first CC (a Vanquis), I used it online or contactless for about 20 times. Then one day I got declined and couldn't understand why, as I wasn't anywhere near my limit, always paid it in full, etc. It turned out they had introduced some additional security checks, and now I know I have to do a face to face transaction using my PIN every now and then.
    Your cholesterol levels are not seen, or used, by your heart and arteries, so ignore it.
    .
    • Gary_Dexter
    • By Gary_Dexter 20th Oct 19, 10:48 PM
    • 6,938 Posts
    • 4,618 Thanks
    Gary_Dexter
    • #9
    • 20th Oct 19, 10:48 PM
    • #9
    • 20th Oct 19, 10:48 PM
    When I got my first CC (a Vanquis), I used it online or contactless for about 20 times. Then one day I got declined and couldn't understand why, as I wasn't anywhere near my limit, always paid it in full, etc. It turned out they had introduced some additional security checks, and now I know I have to do a face to face transaction using my PIN every now and then.
    Originally posted by gionnetto
    A lot of card providers do this, not just sub-prime lenders
    • XtraGamer
    • By XtraGamer 21st Oct 19, 12:23 AM
    • 5 Posts
    • 0 Thanks
    XtraGamer
    This could be the reason why. I did change my PIN to start off with at an ATM. But the only transactions are two made over the phone from Disneyland Paris, none face to face. Card is still frozen, hopefully will find out later today the outcomes!
    • boo_star
    • By boo_star 21st Oct 19, 2:00 AM
    • 2,854 Posts
    • 2,193 Thanks
    boo_star
    This could be the reason why. I did change my PIN to start off with at an ATM. But the only transactions are two made over the phone from Disneyland Paris, none face to face. Card is still frozen, hopefully will find out later today the outcomes!
    Originally posted by XtraGamer
    It shouldn't be, they'll just default to Chip and PIN.
    • Ergates
    • By Ergates 21st Oct 19, 12:27 PM
    • 679 Posts
    • 920 Thanks
    Ergates
    I would agree that they thought it was fraudulent activity but why they're telling the underwriters stuff is what alarmed me.
    Originally posted by XtraGamer
    Is it possible you misheard them? (i.e. they didn't say underwriters)
    • 18cc
    • By 18cc 21st Oct 19, 1:40 PM
    • 1,882 Posts
    • 1,397 Thanks
    18cc
    Are you absolutely sure you were even talking to and giving your personal details to the 'virgin security team'....
    • Paully28
    • By Paully28 21st Oct 19, 2:42 PM
    • 65 Posts
    • 36 Thanks
    Paully28
    I have a CC with Virgin. Your first transaction cannot be done online, nor can it be done contactless - no matter the amount. First transaction needs to be done face to face and your PIN needs to be used. After you've done that, you'll be all good.
    Originally posted by gionnetto
    Is that something new as I have never used my virgin CC anything other than online. It has never left my house:-)
    • gionnetto
    • By gionnetto 21st Oct 19, 8:35 PM
    • 213 Posts
    • 38 Thanks
    gionnetto
    A lot of card providers do this, not just sub-prime lenders
    Originally posted by Gary_Dexter
    Correct. But I didn't expect it from Vanquis, mainly because a friend who has had one for a long time never had this issue. Then, after I had it, he had it as well.
    Your cholesterol levels are not seen, or used, by your heart and arteries, so ignore it.
    .
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