Bank/CC declines due to fraud protection

Discussion in 'Apple Watch' started by fischersd, May 13, 2015.

  1. fischersd macrumors 68040

    fischersd

    Joined:
    Oct 23, 2014
    Location:
    Kitchener, Ontario, Canada
    #1
    People should contact their bank or credit card company when they ordered at the start of the pre-order window, as there's been more than 30 days between the pre-authorization and the now charging of their card for the watch.

    Many cards / banks automatically decline these transactions (and don't notify their customers of having done so) as part of their fraud protection.

    By giving your bank / CC company the "heads up" you should keep your payments from being declined, so you don't risk receiving your order in a timely manner.

    Now, if your payment has been declined…

    This bit from fireguy286:

    Call the number on your card and get the payment opened again. In some cases your whole card may be frozen until you do, not just that Apple purchase.

    You can either call Apple back after that and have them reauthorize, or on your order status page there will be banner with red text above your order with a button to update payment options. The lightbox popup from there will let you either reauthorize the card on the order or enter a new method. When that's done it will tell you it's successful (hopefully...) and you'll get a confirmation email. That's it.
     
  2. fireguy286 macrumors 6502

    fireguy286

    Joined:
    Sep 15, 2014
    Location:
    NY'er trapped in Philthadelphia
    #2
    If you have notifications set up from your bank or card you will catch this pretty quick. If not Apple will eventually send you an Action Required email which will also let you know something is wrong. You typically have up to 48hrs before you will be out of line and order cancelled.
     
  3. JayLenochiniMac macrumors G5

    Joined:
    Nov 7, 2007
    Location:
    New Sanfrakota
    #3
    Unless you never do large purchases, they won't automatically decline it and notifying them is unnecessary, as is the case with many of us. Their fraud algorithm uses your spending habit to determine whether or not something is suspicious.

    I've heard of horror stories of members getting repeatedly declined for even the smallest purchases, but something is clearly wrong or they need to switch to a better bank.
     
  4. fischersd thread starter macrumors 68040

    fischersd

    Joined:
    Oct 23, 2014
    Location:
    Kitchener, Ontario, Canada
    #4
    Again, a lot of them are being declined because it's greater than 30 days since the pre-auth.

    Me, I'd rather give them the heads up than risk a delay.
     
  5. JayLenochiniMac macrumors G5

    Joined:
    Nov 7, 2007
    Location:
    New Sanfrakota
    #5
    True. Good idea to do this to be safe rather than sorry.
     
  6. fireguy286 macrumors 6502

    fireguy286

    Joined:
    Sep 15, 2014
    Location:
    NY'er trapped in Philthadelphia
    #6
    That is absolutely not true. It's a lot more than spending habits, there's location, time of purchase and so on. I make large purchases all the time. I've been declined twice in my entire life. One was legit fraud and the other was problem with the terminal software that flagged the transaction for security. So this morning made #3. My bank specifically told me their preauth window was exceeded for how the charge came through. Every financial institution does things differently, and more than a few ran in to this issue today.
     
  7. JayLenochiniMac macrumors G5

    Joined:
    Nov 7, 2007
    Location:
    New Sanfrakota
    #7
    Location, time of purchase, etc. are also part of "spending habits." Nevertheless, it's a good idea to notify just to be on the safe side if it's been 30 days.
     
  8. bhferguson macrumors member

    Joined:
    Jul 21, 2014
    Location:
    Atlanta, GA
    #8
    I'm one of the idiots that did not contact my bank ahead of time and it's now caused me a minor delay of at least a day in receiving my watch. It was quite the ordeal actually, as I had to call Apple twice, and my bank twice.

    Chase Bank said their fraud protection was resulting in a lot of calls about Apple orders.
     
  9. JayLenochiniMac macrumors G5

    Joined:
    Nov 7, 2007
    Location:
    New Sanfrakota
    #9
    Can't Apple in theory be proactive to prevent this by doing the pre-authorization again or is there a technical reason why this is not possible? Some late birds may not get their watches until July.
     
  10. tylerdw89 macrumors 6502

    Joined:
    Jul 3, 2007
    #10
    When you call what do you say? I'm expecting a charge from Apple soon, please don't decline it?
     
  11. fischersd thread starter macrumors 68040

    fischersd

    Joined:
    Oct 23, 2014
    Location:
    Kitchener, Ontario, Canada
    #11
    And tell them what it's for and the amount. You could tell them the order was from April 10th - that the pre-auth could be as far back as that.
     
  12. AtheistP3ace macrumors 6502a

    AtheistP3ace

    Joined:
    Sep 17, 2014
    Location:
    Philly
    #12
    I did contact my bank. They always decline apple charges and I didn't want any trouble. So I called and let them know, they assured me things would go smoothly. Ha!

    30 minutes before I get on a plane for vacation on 4/25 I get an email from apple. Your card has been declined. I call my bank. They do some things and say go ahead and put the charge through again. I make the mistake of saying thank you and end the call. Go to apples site and recharge the card. Declined.

    I call bank back. I tell them what just happened and about my previous call a few minutes prior. Now they tell me that there is a note saying I called and told them to automatically decline ALL apple charges to my account. FFS! After putting me on hold for 20 mins they come back and say they have removed the decline all apple charges but the problem is not on their end declining my card, I have to call apple.

    I call apple and they manually reenter my card and run it and all goes well.

    So much for attempting to make things run smoothly ahead of time. :D
     
  13. fireguy286 macrumors 6502

    fireguy286

    Joined:
    Sep 15, 2014
    Location:
    NY'er trapped in Philthadelphia
    #13
    Just my opinion, but I don't think pre-calling does much. That's good if you're traveling international or big shifts. But these things are all software flagged/declined before it even gets to a fraud team review to read notes CS may enter for you.
     
  14. hippo206 macrumors 6502

    Joined:
    Apr 8, 2007
    #14
    I agree. I am not sure how much pre-calling is going to help. As someone said above, I believe these types of holds/cancellations have more to do with your purchasing habits than the pre-authorization hold time.
     
  15. fischersd, May 13, 2015
    Last edited: May 13, 2015

    fischersd thread starter macrumors 68040

    fischersd

    Joined:
    Oct 23, 2014
    Location:
    Kitchener, Ontario, Canada
    #15
    It's a bit of both. Better safe to contact your bank / credit card provider to make certain they don't hold it up.

    We're still seeing a LOT of declines, with no notifications. People should be proactive to try to avoid it.
     
  16. jtrue28 macrumors 6502

    jtrue28

    Joined:
    Apr 10, 2015
    Location:
    Lexington, KY
    #16
    I would find a new bank/credit card then.

    AMEX for the win. And it's not even close.
     

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