Did I make a rookie mistake???
Apr 17, 2017, 6:40 pm
#1
Original Poster
Join Date: Apr 2017
Posts: 4
Did I make a rookie mistake???
My CSP came in today, within 20 minutes of verifying the card I attempted to buy two $500 VGC. The transaction declined so I contacted Chase and they told me the card was locked due to a suspicious purchase. I told them the purchase is legit and they told me that I was all set. Tried the purchase again and it declined a second time. Called Chase again and after a 40 minute interrogation they cancelled my card and suspended my online profile. They are sending another card and gave me instructions to get my online provided re activated. Did I move to fast?
Apr 17, 2017, 7:12 pm
#2
Join Date: Apr 2017
Posts: 284
What was the 40 min interrogation about?
And yes, you should have started with some legit usage at first. Then started slipping in a bit of MS, which you can then ramp up a bit. Of course it raises flags if the first thing you do with a card is try and buy $1k in gift cards.
And yes, you should have started with some legit usage at first. Then started slipping in a bit of MS, which you can then ramp up a bit. Of course it raises flags if the first thing you do with a card is try and buy $1k in gift cards.
Apr 17, 2017, 7:37 pm
#4
Join Date: Oct 2009
Location: Land of the parrots and parrotheads
Programs: Several dozen
Posts: 4,820
Bug - meet windshield. Windshield - meet bug. Patience and finesse go a long way in the MS world.
My CSP came in today, within 20 minutes of verifying the card I attempted to buy two $500 VGC. The transaction declined so I contacted Chase and they told me the card was locked due to a suspicious purchase. I told them the purchase is legit and they told me that I was all set. Tried the purchase again and it declined a second time. Called Chase again and after a 40 minute interrogation they cancelled my card and suspended my online profile. They are sending another card and gave me instructions to get my online provided re activated. Did I move to fast?
Apr 17, 2017, 8:18 pm
#5
Original Poster
Join Date: Apr 2017
Posts: 4
What was the 40 min interrogation about?
And yes, you should have started with some legit usage at first. Then started slipping in a bit of MS, which you can then ramp up a bit. Of course it raises flags if the first thing you do with a card is try and buy $1k in gift cards.
And yes, you should have started with some legit usage at first. Then started slipping in a bit of MS, which you can then ramp up a bit. Of course it raises flags if the first thing you do with a card is try and buy $1k in gift cards.
Apr 17, 2017, 11:01 pm
#6
Join Date: Jan 2016
Location: Los Angeles, CA
Programs: IHG PlatAmb, Hilton Diamond, Marriott/SPG Gold
Posts: 19
They did ask what I was purchasing and why but, most of the call was verifying my identity. What is the last four digits of my SS, drivers license number and expiration. Who is my online provider and if I have travelled in the last two days. They sent not one but, two text messages with a code that I needed to recall back. After answering everything correct they proceeded to cancel my card and suspend my online access. I will call back tomorrow to hopefully get this resolved. Lesson learned.
-W
Apr 18, 2017, 11:56 am
#8
Join Date: Oct 2010
Location: DFW
Posts: 684
Not only too fast, but too much. Chase almost always declines my grocery purchases of $1000 or more and requires me to call in, but they always let the $506 transaction go through. But after being blacklisted and then welcomed back, I rarely use Chase for gift cards anymore. Same with citi by the way, they decline the $1k transaction but have no problem with the $500 transaction. They usually just send me a text that I have to reply to to verify the charge, but I'm usually already out of the store by the time I receive it.
Apr 18, 2017, 1:24 pm
#9
Join Date: Feb 2015
Posts: 910
I wouldn't exactly call it a rookie mistake. I'm sure most rookies know to not start MS-ing with a Chase/any card $1K+ a pop within 20 minutes. There's usually 129,600 minutes to complete the sign up bonus. You've probably set a record. Congrats! 
Apr 18, 2017, 5:33 pm
#11
Join Date: Feb 2015
Posts: 910
Apr 19, 2017, 2:46 am
#13
Join Date: Dec 2013
Posts: 3,507
My CSP came in today, within 20 minutes of verifying the card I attempted to buy two $500 VGC. The transaction declined so I contacted Chase and they told me the card was locked due to a suspicious purchase. I told them the purchase is legit and they told me that I was all set. Tried the purchase again and it declined a second time. Called Chase again and after a 40 minute interrogation they cancelled my card and suspended my online profile. They are sending another card and gave me instructions to get my online provided re activated. Did I move to fast?
Apr 19, 2017, 2:41 pm
#14
Original Poster
Join Date: Apr 2017
Posts: 4
Thanks everyone for the feedback! It was definitely a dumb move to try an buy 1k worth of gift cards right out of the gate.
Chase has re-enabled my online access and a new card is on the way. I am going to play it safe with this card for awhile.
Chase has re-enabled my online access and a new card is on the way. I am going to play it safe with this card for awhile.