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Having a card burn after you have just purchased and gone through an extensive process to acquire information on your target and ATO their account, can be a frustrating experience, as well as getting declined transactions. In this chapter, I will be brief, but I will explain some of the most common reasons why cards get blocked. From this you can pay attention to certain things and not commit these mistakes.
Credit card companies are continually upping their anti-fraud security measures to curb such activities, constantly upgrading their security software and techniques.
[]•SHOPPING FROM A LOCATION WHERE YOU NEVER SHOPPED BEFORE.
A buyer quoted “I’ve had calls from my card company saying, we’ve detected some unusual activity. It wasn’t unusual, but it was a different pharmacy than the one I normally go to”. This is why it is extremely important to get an RDP as close as possible to the CVV holder’s address or previous RECENT addresses as possible. And obviously, the RDP needs to be non-blacklisted, with clean risk and proxy scores.
• MAKING SEVERAL PURCHASES QUICKLY.
One example is a buyer that sometimes hits three grocery stores in a row to find what she needs and take advantage of sales. But a few months ago, was so speedy that by the time she swiped her card at the third store, it was declined. She quoted “I called the bank when I got home, and they told me that shopping at three supermarkets within an hour or so was considered ‘unusual activity’.
• CHARGING SOMETHING SMALL, THEN SOMETHING BIG.
This is very commons as fraudsters like to sort of test the waters with a stolen card by first charging a tiny amount, say a song on iTunes or even using a charged CVV checker (never use such checkers), before moving on to a big purchase. That small to big pattern in the CVV holder’s buying patterns can potentially lead to a declined/blocked card.
•SHOPPING AWAY FROM YOUR HOME.
This is very common when someone moves from one place to another. A fraud expert quoted “If my billing address is Massachusetts and I’m buying a washer and dryer in Idaho, that is an anomaly, because why would I buy a washer and dryer in Idaho if I live in Massachusetts?”. Another reason why RDPs are so important.
•CHARGING TRAVEL EXPENSES.
On the road, any purchase from gas to restaurant meals can trigger a block. While that’s long been true for travelers abroad, it now happens domestically too. A buyer quoted “Once my travel to L.A. was flagged and I spent 20 minutes verifying transactions”. When she asked what caused the card to be declined, she was told “a taxi, a charge at the airport, in-air Wi-Fi and a rental car hold” – all standard travel expenses.
•YOU HAVE REACHED THE CVV’S CREDIT LIMIT.
This is pretty much self- explanatory and I shouldn’t have to go into details.
•BUYING THINGS IN DIFFERENT GEOGRAPHIC LOCATIONS ON THE SAME DAY.
During a cruise, one buyer, used a card to get money from an ATM on the ship, then she later made a purchase on-shore in Belize. For the rest of the trip, her card was declined”. Apparently, the ATM on board the ship is registered to a Miami location, and several hours later, she was purchasing something in Belize. To the bank, it looked very suspicious because the transactions happened so close together. Online purchases to merchants in different parts of the world can trigger the same flag.[/REPLYTHANKS]
Credit card companies are continually upping their anti-fraud security measures to curb such activities, constantly upgrading their security software and techniques.
[]•SHOPPING FROM A LOCATION WHERE YOU NEVER SHOPPED BEFORE.
A buyer quoted “I’ve had calls from my card company saying, we’ve detected some unusual activity. It wasn’t unusual, but it was a different pharmacy than the one I normally go to”. This is why it is extremely important to get an RDP as close as possible to the CVV holder’s address or previous RECENT addresses as possible. And obviously, the RDP needs to be non-blacklisted, with clean risk and proxy scores.
• MAKING SEVERAL PURCHASES QUICKLY.
One example is a buyer that sometimes hits three grocery stores in a row to find what she needs and take advantage of sales. But a few months ago, was so speedy that by the time she swiped her card at the third store, it was declined. She quoted “I called the bank when I got home, and they told me that shopping at three supermarkets within an hour or so was considered ‘unusual activity’.
• CHARGING SOMETHING SMALL, THEN SOMETHING BIG.
This is very commons as fraudsters like to sort of test the waters with a stolen card by first charging a tiny amount, say a song on iTunes or even using a charged CVV checker (never use such checkers), before moving on to a big purchase. That small to big pattern in the CVV holder’s buying patterns can potentially lead to a declined/blocked card.
•SHOPPING AWAY FROM YOUR HOME.
This is very common when someone moves from one place to another. A fraud expert quoted “If my billing address is Massachusetts and I’m buying a washer and dryer in Idaho, that is an anomaly, because why would I buy a washer and dryer in Idaho if I live in Massachusetts?”. Another reason why RDPs are so important.
•CHARGING TRAVEL EXPENSES.
On the road, any purchase from gas to restaurant meals can trigger a block. While that’s long been true for travelers abroad, it now happens domestically too. A buyer quoted “Once my travel to L.A. was flagged and I spent 20 minutes verifying transactions”. When she asked what caused the card to be declined, she was told “a taxi, a charge at the airport, in-air Wi-Fi and a rental car hold” – all standard travel expenses.
•YOU HAVE REACHED THE CVV’S CREDIT LIMIT.
This is pretty much self- explanatory and I shouldn’t have to go into details.
•BUYING THINGS IN DIFFERENT GEOGRAPHIC LOCATIONS ON THE SAME DAY.
During a cruise, one buyer, used a card to get money from an ATM on the ship, then she later made a purchase on-shore in Belize. For the rest of the trip, her card was declined”. Apparently, the ATM on board the ship is registered to a Miami location, and several hours later, she was purchasing something in Belize. To the bank, it looked very suspicious because the transactions happened so close together. Online purchases to merchants in different parts of the world can trigger the same flag.[/REPLYTHANKS]
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