Master Card Denied...why????

Question

Hi, here is the thing, my dad had my mom's credit card in his pocked a few days ago then he went out shopping with my sister and when he came back he realized he had paid with my mo's sears mastercard instead of him, and he signed the receip...his card is exactly the same as my mom's the only difference is the name that's why he got confused when he paid...then a few days later my mom needed to pay something over the internet and asked me for help, so I did but the card didn't go trugh so I just used another card and kinda forgot about it but I just told my dad today and he told me all of this and well, I remember my bf told me of the time his stepfather gave him his card to go out and buy something and that my bf signed the receipt and then some time later his stepfather's ard got suspended becuase the sgnature was not the same as his stepfather's...so I'm just guessing my mom's credit card got suspended because of my dad's mistake...is this possible? I just told my dad my bf's experience with all this...and my dad told me he didn't know that all that could happen because of a signature, so....why should we do now? I think my bf told me they give you a fine but i'm not sure...Is my mom going to get her card revoked or something? Also...m mom has this bad habit of siging her stuff with slihgth difference like someimes she drwas a loop and sometimes not...and oh well ...sometimes she signs different...can this also be the cause? Thank You.

Answer 1

I doubt it was declined because of your dad signing for your mum, when you sign for your credit card the store is meant to check that the signature is the same to prevent fraud, the store obvioously didnt check this and let it go through. I have a habit of signing my name differently and the other day the bank wouldnt let me withdraw because of it, so be careful. Best thing is to ring the credit card company.

Answer 2

Ok, I'm a bit confused.

Did he use her Mastercard or her Sears card?

If he used her "Sears Card" but he is an authorized user (primary or secondary) on the account, they usually won't raise a "red flag"

Since her "other" card worked when ordering on-line, I don't see that there could be a "fraud alert" on her credit report which would cause a "denial".

One possibility is that something (card number, expiration date, etc) was entered wrong.  Also have her "check" her Credit card.  If the item is being shipped after the end of the month or even next month and her card expires on August 2008 or September 2008, this may be the reason it was turned down.

Final suggestion would be for her to call the # of the back of the credit card (make sure her balance isn't different than what she thought) and also to talk to someone about it being denied.  A CS rep would be able to tell her if the card has been suspended something.

Answer 3

when i got denied a card b4, they mostly check 2 c yer income which determines whether or not u can afford a card. the next thing they check is yer credit report.

Answer 4

It's incredibly unlikely that the card was declined at a later date due to the signatures not matching.  A lot of people write "see ID" or "see license" on the back of their credit cards, and then sign when they make a purchase.  So, with that logic, a LOT of us would be getting declined credit cards left and right.

She should definitely be giving a call to her credit card company if she experienced her card being declined, but it's unlikely that your father using her card caused it (especially since it's for the same account.)