Firearms Related CC Purchase Cancelled

[jpjulian]

Traveling, use good ol long green.

Traveling...... an ATM seized my debit card in Istanbul last summer,,,,,,,, Day one of an 18 day trip. Sh/t that was a PIA doing without cash for nearly 3 weeks. I will not use a CC to get cash. Won't pay the exorbitant fees and interest.

 

[Fast14riot]

My wife and I just discovered you can do virtual cards. Meaning you can have a virtual card number generated for a specific site, dollar amount and your real cc number is never entered.
I thought that was pretty cool in case you order off some sites like wish temu etc

This is an excellent option for odd, high dollar purchases. Like you decide to add a back deck, order the lumber online from a local yard for delivery, use a virtual card number to protect the identity of you actual card. Its a PITA for every online purchase, especially from trusted sites, but for the unusual purchases it's a great option.

 

[Shooter13]

I'm blessed also in have good credit and a way to high credit line AND have 2-4 Capital One cards, never had a problem BUT if this is the case I don't need them if I can't use them for what I want. Please let me know of any further developments on this (I haven't read all three pages).

 

[dusterdave173]

As an online retailer, our website has been targeted by scammers and bots. It can be difficult to detect, because the order looks legit most of the time, but I'd have to go directly into our CC processing and can see multiple attempts under the same name and up to dozens of different card numbers. This forces us as a vendor to apply stricter verifications that may trigger some card issuers own fraud filters, especially a "velocity filter". The way it works is if too many attempts back to back to back are incorrect, then it finally is input correctly, it will look like it went through but flags it for review, which normally gets auto-denied. Other times, cards used at a new to you website will trigger a fraud filter.

Not saying that political gaming isn't real, but these are some issues I see commonly.

This is more like what really happens many times
It is a fact that gun related sites get hit hard by scammers--some vendors in particular are heavy "targets" so that if you try a buy from out of state they look at it harder than if you were getting a pair of shoes locally
That is simple common sense from card providers point of view right?
We get it in our heads "they are against us" and ummm not as much as we may think.
I go back to my previous post--contact your card provider--tell them you are going out west and the states you will be in and guess what? You will not have any issues--tell them to lower the firewall on your out of state purchases and they will--you simply have to know you can do that--now you do--I bet if you call and ask--your online shopping life will get easier

The biggest issue I had was when a mom and pop business had not protected their CC records at all and were an Easy target of scammers --it caused a lot of trouble because the vendor was a dummy , did not care, acted like it was not his issue when all along he was at fault for very sloppy business practices--he was a one man wrecking crew as all of his clients were gun guys --He let our card info be very vulnerable--
He was the single source for a ton of headaches
Every vendor is not as professional as you would like

It is not as political as it is normal business common sense I took cards for decades in my business--you learn a Lot and most of what you learn is the crooks almost outnumber us--the industry Has to take measures that may at times inconvenience us--just that simple

 

[209jones]

Many yrs ago, in the 80's, when a good rate on a credit card in Canada was 10%, Capital One used to send solicitations. I'd look at them and the fine print was like 18-25%, I just tore them up and tossed them, do the same now, with any credit card solicitation. Had a LIne of Credit with the bank for 20+ yrs now, even that is only at 6 points now. And there are plenty of stories around about how Capital One super deals got upped on the rate, because of an unpaid or late utility bill payment as well. It's a great company to stay the hell away from.

 

[Albany Mountain]

Cabelas uses Cap One. After 2 hacks (that card only) and a similar issue to op I cancelled it.

I cancelled my Capital One Cabelas card after I lost $100 during a hack involving several transactions. I ended up writing a letter sent priority mail to their fraud department explaining the loss. Never got an answer so I cut the card in many pieces.

 

[Shooter13]

My wife and I just discovered you can do virtual cards. Meaning you can have a virtual card number generated for a specific site, dollar amount and your real cc number is never entered.
I thought that was pretty cool in case you order off some sites like wish temu etc

Also you can put a "termination date" on them, I give them 3 days or so then get a new "virtual" #