idbi we have embarrassed by our credit card provider, Citi, as we dared to spend over £500 in one transaction and being refused our card at the till in Ikea. A shop where you are likely to spend £20 on minor items or a large sum on a some large furniture items. Thank goodness we run more than one card account allowing us to pay for the purchases.
What we now know we failed to was contact the call centre first and "plead to spend on the card they had offered us with sizable credit limit." Why should we have guessed that as we were £2500 under our credit limit and have never defaulted on our monthly payments.
On our current statement there are 2 spends over £400 and 2 over £250, yet we were expecting to put a charge of over an invisible ceiling of £500 and being rejected at the till as it was an unusual transaction!!
Why didn't they just tell us in the T & Cs or display a message at the till, "please ring for authorisation" no lets embarrass our customer & crunch their credit.
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1 comment:
Its annoying too as you only got it to save your airmiles, and on transactions where you would earn a lot they are stopping you.
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