Is this common ? Yeah , my credit isn't great but i bought an item for $23.00 and was refused .
Here is their message to me
Here is their message to me
Credit turned down even though purchase was approved .
- Thread starter herb
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Sure you have to protect yourself as a business owner but not by expecting everyone to be a risk
I would take my business elsewhere
I would take my business elsewhere
Wow, I've never seen that before. Very strange indeed. I would want to speak to the people who denied my transaction and see how those decisions are made. But then I've spent years since a nasty divorce getting my credit score up to near perfect.
Have you made charge backs in the past?
I am asking because the vendors response mentioned a reduction in
fraud by 90%. Fraudulent charge backs are significant reason
for online line losses to vendors.
I am not pointing fingers,just asking.
Mike
I am asking because the vendors response mentioned a reduction in
fraud by 90%. Fraudulent charge backs are significant reason
for online line losses to vendors.
I am not pointing fingers,just asking.
Mike
"Herb, your credit card company did approve the transaction.
It is my credit card authorizer that has decided for what ever reason you are a credit risk.
The group I have hired guarantees me my sale dollars as long as they approve the transaction.
My fraud has done down by 90% since I have hired them.
I will have to go with their advice on this issue."
From the response you received it does not appear to be you personally but instead to be his CC Authorizer. For whatever reason they have something against your CC Company and possibly it is other users of that card have made charge backs. I would request who the authorizer is and for you to be able to request an explanation IN WRITING.
It is my credit card authorizer that has decided for what ever reason you are a credit risk.
The group I have hired guarantees me my sale dollars as long as they approve the transaction.
My fraud has done down by 90% since I have hired them.
I will have to go with their advice on this issue."
From the response you received it does not appear to be you personally but instead to be his CC Authorizer. For whatever reason they have something against your CC Company and possibly it is other users of that card have made charge backs. I would request who the authorizer is and for you to be able to request an explanation IN WRITING.
Herb, I also would buy from somewhere else after I got an explanation on the details of who, what and why this company he uses decided to decline a charge that was approved. My point was your card was approved but it is some second party this supplier involves to guarantee he gets paid. The more I think about it this sounds a bit shady.
I would want this explanation myself as well. I want to know who has such authority over my creditworthiness.
I just don't care enough to take steps to know that lol , every other vendor has been exceptionally good to me , no issues.
To me this appears to have nothing to do with someones credit but rather some flea bag company the supplier uses to guarantee he gets paid. I do not know who the supplier is but maybe they screw purchasers on a regular basis so they must guarantee no charge backs.
Hey fellow Long Islander! Yes it is the principal!
Herb you cared enough to start a post but not enough to find out why?
My 2 Cents adjusted for inflation
Herb you cared enough to start a post but not enough to find out why?
My 2 Cents adjusted for inflation- Status
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