AY co-branded Mastercard for Finns
Dec 17, 2018, 9:28 am
#136
Join Date: Oct 2015
Location: HEL
Programs: AY+ Plat (OWE)
Posts: 493
Last week I arranged a bigger dinner in a restaurant and when the time of paying the bill came, my plat MC was constantly rejected and CS was already offline. Had to use different credit card, lost quite a lot of points so naturally called to CS today.
There are some weird random limits that CS can not elaborate, nor change that are in effect that prevented both the dinner as well as pre-ordering a taxi before paying the dinner...only hint was that in such cases, the cancelling hotline can release the transactions/increase the limits.
I'm quite pissed but I guess there really is nothing to be done.
There are some weird random limits that CS can not elaborate, nor change that are in effect that prevented both the dinner as well as pre-ordering a taxi before paying the dinner...only hint was that in such cases, the cancelling hotline can release the transactions/increase the limits.
I'm quite pissed but I guess there really is nothing to be done.
I had exactly the same issue with DC card on Saturday evening. The cost of dinner for 4 was ~600€ and payment failed/was denied twice. Switched to another card but it's always a bit awkward if not embarrassing to get rejected semi-publicly. It has happpend a few times before with substantially smaller sums and always in restaurants. OTOH I have paid flight tickets worth several thousands without any issues.
Last edited by ff_flyer; Dec 17, 2018 at 9:55 am Reason: typos
Dec 17, 2018, 9:54 am
#137
Join Date: Sep 2005
Location: HEL
Programs: AY Platinum, TK Elite, BT VIP, AA, BA, SK, DL, NT, WB + hotels
Posts: 8,734
Last week I arranged a bigger dinner in a restaurant and when the time of paying the bill came, my plat MC was constantly rejected and CS was already offline. Had to use different credit card, lost quite a lot of points so naturally called to CS today.
There are some weird random limits that CS can not elaborate, nor change that are in effect that prevented both the dinner as well as pre-ordering a taxi before paying the dinner...only hint was that in such cases, the cancelling hotline can release the transactions/increase the limits.
There are some weird random limits that CS can not elaborate, nor change that are in effect that prevented both the dinner as well as pre-ordering a taxi before paying the dinner...only hint was that in such cases, the cancelling hotline can release the transactions/increase the limits.
I booked flights for €600 on AY.com, paying with my SEB MC. The tickets were well within the credit limit of my card, but the payment failed. Twice. This was after hours and in fearing prices would go up, I didn’t want to wait until the next day, so I made a new reservation using AmEx. Lost 720 AY+ points.
The next day, I called MC fearing they had closed the card, or whatever. They explained that they have vendor-specific limits that use a rolling 30-day period, and I had made so many purchases with Finnair that I had exceeded that limit. Just like in your case, they refused to say what the limit actually was, which is completely ridiculous. After some pressing, I was able to conclude that €3000 would still be okay but anything above that, within any given 30-day period, might not be. They told me I could call their credit control to exceed the limit temporarily, though.
While I understand they want to protect us, and themselves, I definitely think they should be more open about this. Making purchases from the comfort of my home late at night doesn’t make it an embarrassing experience if the payment fails, but sitting in a restaurant with perhaps ten guests and only that one credit card would not be an experience I want to go through.
Dec 17, 2018, 10:06 am
#138
Join Date: Apr 2014
Location: HEL
Programs: AY+ Gold
Posts: 428
Dec 17, 2018, 10:35 am
#139
Moderator, Finnair
Join Date: May 2011
Location: MMX (CPH)
Programs: Eurobonus Diamond, QR Gold, AY+ Platinum, A3*G, Nordic Choice Lifetime Platinum, SJ Prio Black
Posts: 14,164
I hit a similar limit on a Nordic Choice card the other day and could not for my life figure out why a certain purchase didn't go through while other purchases were fine.
Dec 17, 2018, 10:54 am
#140
Join Date: Oct 2015
Location: HEL
Programs: AY+ Plat (OWE)
Posts: 493
I’ve had similar experiences, and it’s very annoying.
After some pressing, I was able to conclude that €3000 would still be okay but anything above that, within any given 30-day period, might not be. They told me I could call their credit control to exceed the limit temporarily, though.
After some pressing, I was able to conclude that €3000 would still be okay but anything above that, within any given 30-day period, might not be. They told me I could call their credit control to exceed the limit temporarily, though.
Dec 17, 2018, 11:26 am
#141
Join Date: Sep 2005
Location: HEL
Programs: AY Platinum, TK Elite, BT VIP, AA, BA, SK, DL, NT, WB + hotels
Posts: 8,734
My thoughts exactly. However, the limit might of course be different for different card holders and might depend on the overall credit limit and/or previous purchase patterns and what not. Whatever it is and however it works, they should let us know.
Dec 19, 2018, 6:44 am
#142
Join Date: Jun 2017
Posts: 255
Same happened here for me with around the same cost but bigger group. This makes MC a bad "replacement" for DC and I hope SEB could be more proactive with payment of this scale than just reactive. Just my two cents.
Dec 19, 2018, 10:09 am
#143
Join Date: Jan 2003
Location: HEL
Programs: *G, used to be with TK but left due to their corruption and political ties
Posts: 4,404
Same happened here. Denied a restaurant bill of about €2k for a group. Luckily had another Mastercard I could use.
Dec 19, 2018, 9:44 pm
#144
Join Date: Aug 2010
Location: Seat 1L these days :)
Programs: AF Platinum/AY LUMO/SK EBG/baEC S/HYATT Globalist/MR LTP/A3 *G/HH Dia/IHG plat
Posts: 7,943
Not AY card but SEB MC anyways got ddenied a online upgrade fee due to being a untrustworthsy site(Airline in Europe) which I had not used in the past (just bought tickets with the same card from the same site on The same airline one week earlier) 😂😂
Go figure
Go figure
Dec 20, 2018, 10:49 am
#145
Join Date: Sep 2005
Location: HEL
Programs: AY Platinum, TK Elite, BT VIP, AA, BA, SK, DL, NT, WB + hotels
Posts: 8,734
Can I add my SEB MC to MobilePay, and then use MobilePay to transfer money from my SEB MC to a friend? There's no extra charge or fees involved, like there would be when withdrawing cash? And you get points, too?
Dec 20, 2018, 10:51 am
#146
Join Date: Apr 2014
Location: HEL
Programs: AY+ Gold
Posts: 428
Feb 17, 2019, 7:59 am
#150
Join Date: Sep 2013
Location: HEL
Programs: AY Plat Lumo
Posts: 1,519
Edit: Disregard this. Lkrt knows the system two posts down.
On MobilePay's page about limits (in Finnish):
So with the Nordea MasterCard it's 30k points a year from shuffling money around and potentially some very interested tax auditors at your door.
EDIT: I'm sure plenty of 500's will be shuffled in the next HEL DO.
- Jos olet käyttänyt pankkitunnuksia tunnistautuessasi, on raja vastaanottamiselle tai lähettämiselle 500 €/päivä ja 15 000 €/vuosi.
- Muutoin raja on 100 €/päivä ja 5000 €/vuosi.
EDIT: I'm sure plenty of 500's will be shuffled in the next HEL DO.
Last edited by cistavoda; Feb 17, 2019 at 8:54 am Reason: added
