Credit Card locked out buying gun related items. Anyone else?

Status
Not open for further replies.

Fooey

Member
Joined
Dec 10, 2021
Messages
122
Anyone else have credit card locked out when trying to order gun related items off internet? In the last two months I have had my account locked up three times when trying to buy a pistol frame, an AR upper and a lower parts kit. I cannot even logon to check account. So I have to call and tell them it is not fraud, that I did order the stuff. They claim they suspected fraud so they locked it up. Then they tell me first time it was gun part purchase, second time they said it was a peanut order from Amazon but it worked until I tried to order the lower parts kit. Third time was tonight so don't know what they will blame it on but all three times I was unable to order gun parts until I called them and got it unlocked. I think it is part of that new legislation that allows CC companies to track your gun item purchases. What do you all think?
 
Tried to order a used guitar from Guitar Center a few weeks back. A white Gibson SG Standard that was kind of hard to find. Credit card company turned off our card, thinking it was fraudulent. By the time it was sorted out, the guitar was long gone. After this, we could only use our card in-person for a week or two. Had to call back again to get it back to where we could purchase anything online.

It's frustrating. I used to buy whatever, whenever with the same card/company without issue. If I missed a good firearms deal because of this, I'd be pretty unhappy.
 
What card company do you have?

I havent had any trouble with gun related purchases with Chase and I use it quite a bit for that sort of stuff.

Seems anymore, we have our card changed at least once a year, and they contact us pretty much immediately if they think something is up. They dont cut the card off until you contact them though and specify what charges were yours.
 
My Amex did that to my three times when trying to buy something at Lowes. Amex didn't lock the card, just didn't allow the transaction.
 
Credit card companies don't make us pay for fraudulent charges. Thus they spend millions every year covering our backsides. They have saved me several thousands over the last few years and most of the fraudulent charges were for gun parts/accessories. Because fraud has become such a huge loss for them, they have come up with ingenious ways to detect it. Those ways tend to error on the side of the credit card company, and for good reason. Part of the price we pay for using their plastic. For those of us who pay our card every month and never pay interest, having it and using it for free, still comes with a cost. That cost being sometimes having the card refused if there is suspected fraud. My Card company texts me the instant there is a suspicious fraud and many times the transaction is completed without me having to do anything but reply yes back to them. I also have learned to call them first if I am going out of state with the bike and making a lot of small gas purchases all over the country. I have no problem with them covering my backside and theirs.
 
If you tell them, or they even suspect someone else has access to your card, they will lock it. They wont give you a choice. They may initially just disallow the transaction, but once you tell them that you didnt make the purchase, thats it.

The PITA is, all the subscription things you have linked to the card, all have to be changed.
 
Credit card fraud is rampant. The credit card companies try to mitigate the damage by monitoring account patterns. Unusually large charges, items not usually bought by the account holder, from far away places, that sort of thing. None of it targeting things they don't like, except potentially fraudulent charges they might have to eat.

My personal experience has been over decades. I've had my card locked for very large unexpected charges and a quick call put things back on track immediately. In other cases the use of small vendors who don't have the wherewithal to maintain good security practices leak credit card information resulting in actual fraud attempts on my cards over the years. In each case the resolution has been 100% restitution quickly, and a new card and number.

The real pain in the butt is having to update all the scheduled credit charges for services like internet, light bill, etc every time it happened. And it happened a lot. I solved that problem by changing all of them to paypal or to a checking account. Several years in and no more trouble.

OP - it's not part of new legislation. The card companies care only about money what they have to do to protect theirs. That's all.
 
I've never had my card locked from firearm related things, but often if there's a purchase out of the norm it will throw a flag and I'll have to get it unlocked. One instance was when I booked an AirB&B 1000 miles away. Another time I ordered something from Finland, and another the order was from the UK. Not a big deal, I got an email within seconds of placing the order and was able to reactivate the card in less than a minute.

I'm OK with that stuff, because twice those odd purchases actually were fraudulent and I had to cancel the card and get a new one.
 
The first time my card gets locked, it will be the last time I use that card or deal with that company.
If they start denying me the use of my money I will go back to using CASH, & then they won't track anything.
 
The first time my card gets locked, it will be the last time I use that card or deal with that company.
If they start denying me the use of my money I will go back to using CASH, & then they won't track anything.
The CC companys do this on a regular basis, as a protection for you, and them. The gun crap isnt why this mostly happens. At least not yet.

And as far as cash, dont get your hopes up. Biden signed that digital currency thing just recently, cash is likely on the way out in the not-to-distant future, and any cash you have, will likely be treated as script, and have to be turned in, if you want to keep its value. Of course, youll have to explain where you got it.
 
The CC companys do this on a regular basis, as a protection for you, and them. The gun crap isnt why this mostly happens. At least not yet.

And as far as cash, dont get your hopes up. Biden signed that digital currency thing just recently, cash is likely on the way out in the not-to-distant future, and any cash you have, will likely be treated as script, and have to be turned in, if you want to keep its value. Of course, youll have to explain where you got it.

No my CC company monitors my card purchases but it does not lock it without my authorization . If I have some questionable purchases they call me & I can tell them if it's me or if it's not. It's never stopped me from making a purchase.
 
The CC companys do this on a regular basis, as a protection for you, and them. The gun crap isnt why this mostly happens. At least not yet.

And as far as cash, dont get your hopes up. Biden signed that digital currency thing just recently, cash is likely on the way out in the not-to-distant future, and any cash you have, will likely be treated as script, and have to be turned in, if you want to keep its value. Of course, youll have to explain where you got it.

Let's not start misinformation here. Cash isn't going anywhere for the time being:

...outlined in the Executive Order. For example, these objectives state that a U.S. CBDC system should expand equitable access to the financial system, preserve the role of physical cash...

https://www.whitehouse.gov/ostp/new...ties-for-a-u-s-central-bank-digital-currency/
 
It’s time to dump your credit card company.
And If you’re not getting at least 2% cash back on every purchase…you’re leaving money on the table.
With Amazon purchases, I use their branded card and get 5% cash back on everything.
With sketchy merchants, I generate a virtual credit card number that they can use only once.
 
My Cabela's card formerly Visa now under Bass Pro a Master Card should do just fine buying anything gun related. :)

Several years back I was visiting friends in North Carolina. I made a $70 purchase in a CVS pharmacy walked across the street to a Harris Teeter supermarket. Bought stuff, got to register and my card was declined. OK, worry about it later. Just used another credit card. Walking out the door my wife in Cleveland, Ohio calls me. Right after I used my card in NC she used her card in Cleveland. The only difference between her card and mine is the name. :) They locked the account and called my wife who explained why the account number was in two places at once. No problem and a fast fix.

Now if I try and use any of my credit cards for a gun or gun related purchase and it gets declined then it's time to find another card.

Ron
 
My Amex did that to my three times when trying to buy something at Lowes. Amex didn't lock the card, just didn't allow the transaction.
Lowe's and Home Depot are huge for fraudulent CC use. Perps purchase gift cards with stolen or lifted CC. Should not even be allowed to purchase a $1000+ gift card on a CC anyway, IMOHO.
 
Status
Not open for further replies.
Back
Top