In one of my previous blog posts (Credit Card Caution), Rajesh (Destination Infinity) commented that “when I tried an online purchase 4-5 times continuously - again the card was blocked.”. I replied to Rajesh I will write about a similar interesting incident that happened to us.
Here is that incident.
A few years ago, one of my employees wanted to discuss something important on a Saturday. I took pity on that guy and told him I will take him for lunch. We went to a nice name brand Italian restaurant and had lunch. I then came home.
That evening my wife told me she was too lazy to cook dinner and wanted to eat out. I asked her where she would like to go and she gave the name of the same restaurant I had lunch with my office colleague. I told her I had lunch today in that restaurant. She then wanted to go to a different restaurant. It was her favorite restaurant, so I insisted on going there though it will be second time for me in the same restaurant that particular day.
We go to that restaurant. We had a nice dinner. The bill came. I gave my credit card and the waiter took it to the register. He came back and whispered: Sir your credit card has been declined.
I could have given him another credit card and left the restaurant. But I was in a mood to find out why it was declined. I called the credit company on my cell phone and asked them the reason. They had the most laughable reason. Sir, your credit card was charged in the same restaurant for lunch and it is also being charged for dinner also. It is a very unusual activity and therefore we declined.
I had to explain to them it was a legit and asked them to remove the block. They did it immediately.
I asked the waiter to process my credit card again and it was accepted.
On the way back home, while I was driving, I had an earful for going to the same restaurant twice in a day.