Yeah--- The criteria they use is as closely guarded as how they come
up with your credit score. But I've had a card go bad on more than
one occasion & as long as they don't hold me responsible, waiting 5
days is a small price to pay.
A couple times this past December they called the evening after I made
an electronics purchase to see if it was me. I don't usually answer
calls from businesses, but they even had "Chase Credit Card" in the
caller ID. Guess they were shocked that I was out in a brick and
Mine was declined for no apparent reason, the questionable charge was
local for gasoline and I had used the card there 100 times before over
the years. I called and bitched and they fixed it, but as I looked at
the online statement further there was also a small charge, about $7
that was from a monthly service that I used the first month free, then
canceled the account. They gave me credit and reversed the charge. A
week later (online "recent transactions" way before the new statement) I
see an odd charge, about $100 and it was not mine! I called them and
noticed there was also another small charge from a different company. I
agreed to have the account immediately closed and they are investigating
it. Luckily I have a second card because the replacement card with the
new account took 8 days to arrive. And for the record, I almost always
pay in full each month.
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