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Credit Card Denied - Daily Limit

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I just wanted to remind folks before you get in a situation like mine. This weekend, (a holiday weekend in the US) I purchased four tickets to Europe using the Kayak website. That was late Saturday evening. We surprised my parents' with a trip to Europe and a Med Cruise. On Sunday, I received a notice that my credit card had been denied and that I should contact my bank.

I had presumed ahead of time that before letting the transaction clear, my bank would call me to verify it was actually my transaction, and not some online fraud. They have called me before doing the same. However, on those occurrences, they had merely let the transaction pend until they reached me, not actually denied the transaction.

This morning, I spoke to the bank and they said the reason they had denied the transaction was that it exceeded Visa's $5,000 daily limit. Had I called them first, they could have preapproved an increase in the daily limit for a given day. I have been with this bank for 30 years so perhaps they gave me that information a long time ago in some small print and I had forgotten. Regardless, today, they raised the daily limit for today, in order to let the transaction clear.

As a side note, I always let them know ahead of time when I will be traveling out of state or country so they will not suspect fraud on purchases from those locations when I am on my trip.

Lesson learned and passed on for the benefit of others. Have a nice day.

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