Dear Chase Freedom Visa:
Mar. 2nd, 2020 11:25 am![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
which_chickI have composed a paper letter and mailed it via snail mail to my credit card company to punish them for their sins or bad fraud detection algorithms.
I clutch my autist life. Yes, I actually sent this.
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Sir or Madam:
I have held a Chase Freedom Visa since it was a Shell Mastercard. I’ve been a cardholder with your company since 1993. If you review my records, you will find that I have been pretty decent about paying my bills in a timely manner, avoiding fraudulent transactions, and being fairly competent as a customer.
For some reason, you recently decided to start declining nearly every large purchase I make. This never happened to me prior to late fall of 2019.
In December of 2019 you declined charges on my card to Mercedes Benz of Hagerstown, MD.
On 12-26-2019, you declined charges of $981.52 for a Dell Laptop (if you check your records, you will find that I have bought many Dell Laptops with this credit card, most recently in 2016 but also twice in 2014). I have a history of buying Dell Laptops WITH THIS CREDIT CARD and yet you declined it.
Again today, on 3-2-2020, you declined charges of about $746.23 for a Dell Laptop that I was attempting to purchase.
When you decline these charges, you make me look like a poor person who does not know when her card is over limit. Your computer does not say “declined because of our stupid overly protective fraud protection algorithm even though this customer pays her bill like it’s a religion” it says “declined” which is EXACTLY what it says when the freaking card is over limit because of the cardholder’s inability to manage their finances.
I do not have a credit card that runs over limit. I do not. I have not, ever, not even once in the twenty-seven years that I have had this credit card account, run it over limit. I work very hard to make sure that I have a credit card with enough room on it to buy the things that I would like to buy. And yet, with this card declining thing going on all the time, you are forcing me to experience the shame and discomfort of having my card repeatedly declined when I am trying to buy things that I totally 100% have the right and privilege to buy.
TL; DR: I do not like you declining my charges all the time. Please stop doing it.
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Currently my credit card online web page statement thing looks like this:
Note the following items...
(1) I have roughly 16,000 of AVAILABLE CREDIT on there at this very moment. Is there room on this card for $800 of laptop? Yes. Yes, there is.
(2) Look for current payment due. Is there a current payment due? No. No, there is not.
(3) Look below that at 0.00 -- that's the carryover balance from last month. It is zero because I PAY MY FUCKING BILL IN FULL EVERY MONTH YOU ASSHATS.
I do not understand why I can't freaking buy things with my damn credit card. This is infuriating.
I clutch my autist life. Yes, I actually sent this.
--------
Sir or Madam:
I have held a Chase Freedom Visa since it was a Shell Mastercard. I’ve been a cardholder with your company since 1993. If you review my records, you will find that I have been pretty decent about paying my bills in a timely manner, avoiding fraudulent transactions, and being fairly competent as a customer.
For some reason, you recently decided to start declining nearly every large purchase I make. This never happened to me prior to late fall of 2019.
In December of 2019 you declined charges on my card to Mercedes Benz of Hagerstown, MD.
On 12-26-2019, you declined charges of $981.52 for a Dell Laptop (if you check your records, you will find that I have bought many Dell Laptops with this credit card, most recently in 2016 but also twice in 2014). I have a history of buying Dell Laptops WITH THIS CREDIT CARD and yet you declined it.
Again today, on 3-2-2020, you declined charges of about $746.23 for a Dell Laptop that I was attempting to purchase.
When you decline these charges, you make me look like a poor person who does not know when her card is over limit. Your computer does not say “declined because of our stupid overly protective fraud protection algorithm even though this customer pays her bill like it’s a religion” it says “declined” which is EXACTLY what it says when the freaking card is over limit because of the cardholder’s inability to manage their finances.
I do not have a credit card that runs over limit. I do not. I have not, ever, not even once in the twenty-seven years that I have had this credit card account, run it over limit. I work very hard to make sure that I have a credit card with enough room on it to buy the things that I would like to buy. And yet, with this card declining thing going on all the time, you are forcing me to experience the shame and discomfort of having my card repeatedly declined when I am trying to buy things that I totally 100% have the right and privilege to buy.
TL; DR: I do not like you declining my charges all the time. Please stop doing it.
-----
Currently my credit card online web page statement thing looks like this:
Note the following items...
(1) I have roughly 16,000 of AVAILABLE CREDIT on there at this very moment. Is there room on this card for $800 of laptop? Yes. Yes, there is.
(2) Look for current payment due. Is there a current payment due? No. No, there is not.
(3) Look below that at 0.00 -- that's the carryover balance from last month. It is zero because I PAY MY FUCKING BILL IN FULL EVERY MONTH YOU ASSHATS.
I do not understand why I can't freaking buy things with my damn credit card. This is infuriating.
