Dizzy Dee

I’ve found it rather interesting to know that there are now companies that rate your credit card. Online. Whilst you’re doing a transaction online. What basically happens is that they compare various bits of information of the person logged into the specific site, to that which is associated with the credit card, at the bank which its registered.

Basically, this would stop people from using other people’s credit cards, and they will only be allowed to use their own. If all your details are matched, you can pretty easily get a really low score (which is good). But if for instance your credit card is regsitered in the US, you registered your account for the specific online service in Bulgaria, and your IP is in Mauritius, then your credit card will be a “bad credit card“, and you it will get a really high score, which might prevent your transaction from being processed.

This is to ensure that you don’t commit fraud. Which is fair. But now, you might be using a credit card like in the above scenario without being a fraud. In that case, you’ll have to prove it though, afterwhich you will be white listed.

I never realized there was so much politics behind the scenes, but I find it really interesting though.

So if your credit card is declined somewhere online, and you’re not a fraud, feel free to contact their customer support and explain the situation. If they are confident that you’re telling the truth, they will white list your card, and you’ll be able to use it.