Wow, MasterCard Cancelled My Credit Card

[Kommander_KornFlakes]

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And do you know what was the suspicion that set off bells & alarms at their headquaters? That I pumped $12 worth of gas at a Barrie gas station on Sunday, LOL!!

I have taken and used this CC to South America, NY, and Virginia and used it excessively and never was I called or asked if I was the one using it, but I used it this weekend in Barrie and they cancelled it out of concern for a mere $12 bucks.

Are these people for real?

[the_unknown]

It is not MC that cancelled your card, but whoever issued that card. They're the ones you should complain to.

[SpillOnAisle9]

Just found out the other day that M/C (BMO) cancelled mine after it was
inactive for 3 years.....no warning at all...found out when I decided to
try it before taking it to Italy next week. BMO is now on my schit-list

[joe1487]

Bizarre. I've never had a problem with any purchase in Canada or the US, but I always notify my card companies when I go abroad.

Just found out the other day that M/C (BMO) cancelled mine after it was
inactive for 3 years.....no warning at all...found out when I decided to
try it before taking it to Italy next week. BMO is now on my schit-list

You don't use an account for three years and complain when they close your account? You don't bring them any business for 36 months and they're supposed to keep maintaining the account? Honestly...

[SpillOnAisle9]

You don't use an account for three years and complain when they close your account? You don't bring them any business for 36 months and they're supposed to keep maintaining the account? Honestly...

My point is they could have given a warning. It's $22K of available credit down
the tubes for me. I never carried a balance on it anyway when I used it so
they were only making on the merchant fees

[Kommander_KornFlakes]

It is not MC that cancelled your card, but whoever issued that card. They're the ones you should complain to.

Canadian Tire

I called them this afternoon and they cited the reason as being that I used it in Barrie and that it was "outside your habitual parameters". They claimed they tried to contact me for confirmation I had been in Barrie, I never heard any calls from them.

Bizarre. I've never had a problem with any purchase in Canada or the US, but I always notify my card companies when I go abroad.

Are you serious, we have to tell them where we are going? I have NEVER called my CC companies to inform them this and have used my CC's overseas (up to $3,000 in purchases) and never had a problem with them, including my Canadian Tire CC.

[gman]

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And do you know what was the suspicion that set off bells & alarms at their headquaters? That I pumped $12 worth of gas at a Barrie gas station on Sunday, LOL!!

I have taken and used this CC to South America, NY, and Virginia and used it excessively and never was I called or asked if I was the one using it, but I used it this weekend in Barrie and they cancelled it out of concern for a mere $12 bucks.

Are these people for real?

Are you saying they cancelled your card instead of suspending your card?

[gman]

My point is they could have given a warning. It's $22K of available credit down
the tubes for me. I never carried a balance on it anyway when I used it so
they were only making on the merchant fees

Are you sure they did not send you a letter? May be you just did not read it. Most credit card company tries their best to keep you.

[SpillOnAisle9]

Are you sure they did not send you a letter? May be you just did not read it. Most credit card company tries their best to keep you.

Nope...nothing, nadda, zilch, zip.

[gman]

Nope...nothing, nadda, zilch, zip.

Then, how did you know your card was cancelled instead of suspended?

[SpillOnAisle9]

Then, how did you know your card was cancelled?

I was going to use it to segregate my European trip costs and I figured I would
try it out with a small purchase first. It was declined....I called...they said it
was cancelled and I needed to re-apply.

I told them I would take my credit business elsewhere.

I liked it because it was no-fee and had a high-limit...even though I didn't
need it. It was better to have it and not need it than need it and not have it

[gman]

I was going to use it to segregate my European trip costs and I figured I would
try it out with a small purchase first. It was declined....I called...they said it
was cancelled and I needed to re-apply.

I told them I would take my credit business elsewhere.

I liked it because it was no-fee and had a high-limit...even though I didn't
need it. It was better to have it and not need it than need it and not have it

May be my unused BMO MC card is canceled too.

[dmitri81]

Its hard to understand how CC companies track your usual usage. I had a TD Visa and a BMO MC that I took to Japan for a year. Used it there for the entire 12 months. Clearly they could see unusual amounts in YEN being charged to both cards yet there were no suspensions/calls/letters. So I just kept paying my bills and using the cards. One specific purchase was a digital camera for $700. Not a peep.

Went to Hawaii and used my Amex which has never been outside of Canada. Put over $3000 on it and yet again not a peep from Amex. No idea what do they actually classify usual and unusual usage.

[joe1487]

Are you serious, we have to tell them where we are going? I have NEVER called my CC companies to inform them this and have used my CC's overseas (up to $3,000 in purchases) and never had a problem with them, including my Canadian Tire CC.

You don't have to, it's just recommended to avoid having your card declined. I've never had a problem using one of the cards that I forgot to call in about, but others have. It's a good idea to always call in about your primary card - at the very least, to inform them that you travel a lot and that foreign transactions shouldn't be considered extraordinary.

[Kommander_KornFlakes]

Its hard to understand how CC companies track your usual usage. I had a TD Visa and a BMO MC that I took to Japan for a year. Used it there for the entire 12 months. Clearly they could see unusual amounts in YEN being charged to both cards yet there were no suspensions/calls/letters. So I just kept paying my bills and using the cards. One specific purchase was a digital camera for $700. Not a peep.

But sometimes they hit the nail right on the head, my aunt's VISA was cancelled when someone stole her number and were purchasing men's rubber boots and expensive fishing equipment, the VISA crew got suspicious that those were no purchases related to a 57-year-old woman. They called her to confirm if she had been buying those things hours earlier at a mall, she said "no" and they promptly suspended the account.